A

Presentation
on
“Biometric Atm”

By,
Darshan Mohan Chavhan
[PRN No – 23051031372019 Roll No –11 ]

Department of E&TC Engineering

SSVPS’ B. S. Deore College of Engineering, Dhule

CONTENTS
1. Introduction
2. Current Atm Security Challenges - 1
3. What Are Biometric Atms?- 2
4. Benefits Of Biometric Atms- 3
5. Challenges In Implementation- 4
6. Technological Advancements- 5
7. Regulatory Considerations- 6
8. Future Of Biometric Atms – 7
9. Advantages
10. Conclusion
11. References

SSVPS’ Bapusaheb Shivajirao Deore College of Engineering, Dhule

1. Introduction
What is a Biometric ATM?
A Biometric ATM is an automated teller machine that utilizes biometric
recognition technologies such as fingerprints, facial recognition, iris scanning, or voice
recognition, to verify the identity of users. This innovation enhances the security,
convenience, and accessibility of banking services.

Key Features:
•Enhanced Security: Biometric identifiers are unique to each individual,significantly
reducing the risk of fraud and identity theft.

•User Convenience: No need for PINs or cards, simplifying transactions and reducing
the likelihood of losing or forgetting passwords

•Fast & Efficient: Biometric authentication allows for quicker transactions, improving
customer experience.

SSVPS’ Bapusaheb Shivajirao Deore College of Engineering, Dhule

2. Current Atm Security Challenges- 1

1.Card Skimming
Criminals use devices to capture card details and PINs, leading to unauthorized
transactions.

2.PIN Theft
Users' PINs are often stolen through shoulder surfing or by hacking ATM machines.

3.ATM Malware
Malicious software can infect ATMs, compromising sensitive customer data and
enabling fraud.

4.Physical Theft
ATMs are targets for robbery and physical tampering, often leading to cash theft.

5.Identity Fraud
Stolen card data or forged identification is used to access accounts, leading to
identity theft.

SSVPS’ Bapusaheb Shivajirao Deore College of Engineering, Dhule

3. What Are Biometric Atms?- 2

Biometric ATMs are automated teller machines that use unique physical
characteristics—such as fingerprints, facial recognition, iris scans, or voice
recognition—to authenticate users and process transactions
Key Features:

•User Identification: Authentication through biometric data instead of PINs or cards.

•Enhanced Security: Reduces fraud and identity theft by using unique, hard-to-
duplicate features.

•Convenience:. Faster and easier access to banking services without needing a physical
card or remembering password

•Reduced Fraud: Harder for criminals to replicate biometric traits compared to

traditional ATM methods.
Biometric ATMs are revolutionizing banking by offering a safer and more efficient way to
access financial services.

SSVPS’ Bapusaheb Shivajirao Deore College of Engineering, Dhule

4. Benefits Of Biometric Atms- 3
Lower Costs for Banks

• No Cards to Make or Replace: Banks save money by not needing to issue physical
cards.

•Less Fraud to Handle: Less money lost to card theft or fraud.

Faster Transactions

•Quick Verification: Biometric systems quickly confirm your identity, speeding up the
whole process.

•Feel Safe: Customers trust the system because it’s more secure than traditional methods.

Keeps Up with Regulations

•Meets Security Standards: Biometric systems help banks follow global security rules.

Ready for the Future

Adaptable Technology: Works with other future tech, making it useful for online
banking or new services.

SSVPS’ Bapusaheb Shivajirao Deore College of Engineering, Dhule

5. Challenges In Implementation -4

1.Technological Integration: Integrating biometric systems with existing ATM

infrastructure can be complex and costly.

2.Biometric Accuracy: Ensuring reliable performance in various conditions and

avoiding false positives/negatives is challenging.

3.Security & Privacy: Safeguarding sensitive biometric data against breaches and
ensuring compliance with data protection laws.

4.User Acceptance: Overcoming user concerns about privacy, unfamiliarity with

technology, and resistance to biometric data collection.

5.Regulatory Compliance: Adhering to diverse data protection regulations and legal

frameworks across regions.

6.Operational Maintenance: Ensuring regular system maintenance, scalability, and

managing costs associated with hardware, software, and updates.
6. Technological Advancements- 5
1.Fingerprint Recognition

Better Scanners: New sensors are faster and more accurate at reading fingerprints

2.Facial Recognition

AI Technology: Smart systems now recognize faces quickly, even in different lighting.

3.Iris Scanning

Very Secure: Iris patterns in the eyes are unique and hard to copy, offering extra
security.

4.Voice Recognition

Easy and Hands-Free: You can verify your identity with your voice, making it simple
and quick.

5.Cloud Technology

Faster Updates: Data is stored online, allowing for quicker processing and updates
across ATMs.

SSVPS’ Bapusaheb Shivajirao Deore College of Engineering, Dhule

7. Regulatory Consideration- 6

1.Data Privacy Laws: Compliance with data protection regulations like GDPR or local
privacy laws to protect biometric data and ensure proper consent.

2.Data Storage and Security: Ensuring encrypted storage and secure transmission of
biometric data to prevent breaches and unauthorized access.

3.User Consent: Obtaining explicit, informed consent from users for the collection and
use of biometric data.

4.Data Retention and Deletion: Adhering to regulations regarding the retention,

access, and deletion of biometric data after it's no longer needed.

5.Cross-border Compliance: Managing compliance with varying biometric data laws

across different regions where the ATMs are deployed.

6.Accessibility and Fairness: Ensuring biometric systems are non-discriminatory

and accessible to all users, including those with disabilities.
8. Future Of Biometric Atms - 7

Wider Use Worldwide

•More Common: Biometric ATMs will be used everywhere, including more countries and
remote areas.

Stronger Security

•Multiple Checks: ATMs may use more than one biometric feature (like face + fingerprint) to
make sure it's really you.

•Smarter AI: Artificial intelligence will help make biometric systems even safer and smarter.

Faster and Easier Transactions

•Instant Recognition: Technology will make it quicker to verify your identity, so transactions
will be faster.

Mobile and Smart Devices

•Use Your Phone: ATMs may let you use your smartphone or smartwatch to verify your
identity instead of using a fingerprint.

SSVPS’ Bapusaheb Shivajirao Deore College of Engineering, Dhule

9. Advantages
1.Better Security

Hard to Fake: Biometric features like fingerprints and facial recognition are unique
to each person, making it much harder for criminals to steal your identity.

2.No PIN or Card Needed

Convenient: You don’t need to remember a PIN or carry a card. Just use your
fingerprint or face to access your account.

3.Faster Transactions

Quick and Easy: Biometric authentication is fast, so you can complete your
transactions in no time.

4.Reduced Fraud

Safer Transactions: Since biometric data is hard to duplicate, it reduces the

chances of fraud like card skimming or PIN theft.

SSVPS’ Bapusaheb Shivajirao Deore College of Engineering, Dhule

10. Conclusion

Biometric ATMs represent a major step forward in banking technology,

offering enhanced security, convenience, and efficiency. By using unique
physical traits like fingerprints, facial recognition, or voice patterns,
these ATMs provide a safer alternative to traditional PIN-based
systems. As they become more widespread, biometric ATMs will reduce
fraud, streamline user experiences, and make banking more accessible
for everyone. With continued advancements in technology, the future of
biometric ATMs looks promising, offering faster, more secure, and user-
friendly banking services for all.

SSVPS’ Bapusaheb Shivajirao Deore College of Engineering, Dhule

11. References / Bibliography

[1] Kumar, S., & Singh, R. (2021). Biometric Systems: Technology, Design,
and Applications. Springer Nature.

•This book covers the fundamentals of biometric technologies and their

applications in various fields, including banking.

[2] Patel, P., & Verma, A. (2020). Biometric Authentication in Modern Banking
Systems. Journal of Financial Technology, 15(3), 102-115.

•An article discussing the role of biometric authentication in improving

security and reducing fraud in the banking sector.

SSVPS’ Bapusaheb Shivajirao Deore College of Engineering, Dhule

THANK
YOU !
SSVPS’ Bapusaheb Shivajirao Deore College of Engineering, Dhule