Date Added: Apr 2012
A Hidden Markov Model (HMM) is a statistical model using a Markov process with observed state thus is clearly a dynamic Bayesian network of statistical assumption technique. Mobile device induced distributed security environment is proposed for meeting pass code challenge to complicate security by making the ATM payment frauds impossible. If an incoming ATM card transaction is not accepted by the trained HMM with sufficiently high probability, it is considered to be fraudulent, Assuring that genuine transactions are not rejected. "Hidden" state is not directly visible, but output dependent on the state is visible.