International Journal Of Engineering And Computer Science
A self-governing ATM host has a right to use any bank. There is no security layer is implemented in the ATM card except pin number. It is very costly for the bank to include the fingerprint and Iris scanner. In this paper, the authors monitor the location of the ATM usage, time taken for the user to accessing the ATM machine, sequence of events processed by the user and expected amount of withdrawal by the user. All these four factors are verified for the authentication purpose of the user along with password. If any of the above said, parameter are differing and then the One Time Password (OTP) is generated to the user's mobile number for further more secure authentication system.