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The gains of technology brought about by the advent of Automated Teller Machines (ATMs) cannot be over-emphasized. Whatever benefits accruable to parties are almost lost through frauds perpetrated through card-related transactions on ATMs. This paper presents a solution of still enjoying the dividends of ATM through combined biometric features at the expense of cards and its attendant vulnerabilities. The present two factor authentication that combines something the user have (card) with something the user know (PIN) has been defined by card thefts while the PIN is capture with the aid of microscopic cameras installed to steal the PIN. However, since human biometric features cannot be replicated it left no option to fraudsters except for the actual account owner to carry out his transactions by himself.
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