10-04-2017, 08:00 PM
biometrics atm
Biometric ATM are used for wide range of applications like for Banking, Coupons & Self service ATM. Biometrics ATM offer ATM type interface along with at-least one Biometrics capture device like Fingerprint Scanner, Iris camera, Palm/Finger Vein scanner , Face recognition camera. They are often called Multi-Biometrics ATM, Wall mount Biometrics ATM, Biometrics Devices / Machine.
Most of the ATM in the past have been using ID cards to identify users but with the wide acceptance of Biometrics , a new generation of Biometrics ATM are being deployed for wide range of applications worldwide.
Biometric ATMs are self-service cash machines that use a biometric measure to identify customers and allow them to withdraw cash. The biometric check may be the only customer identifier used, or it may be used in conjunction with another format, such as a payment card, a mobile device or an additional security credential, such as a PIN. The biometric measures used will generally include palm or finger vein print biometrics, although they may also include other functionalities such as iris recognition.
To reach the rural masses, banks are going all out in providing a user-friendly banking experience. To boost micro financing initiatives, biometric solutions with ATMs will be a great opportunities for banks in recent future. Establishing the identity of a rural depositor through biometrics makes it possible for illiterate or barely literate folks to become part of the banking user community. In recent years the importance of biometrics has grown tremendously with an increasing demand of security in accordance of unique identification of individuals. Its use for identification in applications other than policing is on the rise. In view of the rapidly increasing applications, the scope of biometrics is also increasing, be it identification via face, voice, retina or iris. Fingerprinting, however, has the advantage of being a familiar concept worldwide.
In the retail payments arena, developments in biometric technology have made their presence felt in the pervasiveness of self service devices including Automated Teller Machines (ATMs) and Point of Service (POS) machines. Elsewhere in the world, efforts are on enabling payments through kiosks based on fingerprints (non-card based). ATM enhancements with biometric support envisaged by vendors eliminate the need for PIN entry, and authenticate customer transactions by thumb-impressions. A simplified menu on ATMs coupled with possible audio guidance in local language enable easy use for rural masses. So far bank ATMs are dependent on PIN verification. The fingerprint authentication method is non-PIN based, and this requires enhancements to the standard Switch environment.
SECURING TRANSACTIONS WITH FINGERPRINTS
With the development of biometric solutions for the ATMs there is no need to remember PIN numbers. Software vendors are coming up with finger print solutions for the rural masses. where users finger-print data would be scanned into a special PC with a finger-print scanner and the scanned fingerprint is then stored in an encrypted form in a central server. When a customer inserts (or swipes) his card in a biometric enabled ATM, he is prompted to set his finger in the fingerprint scanner. The transaction along with customer s biometric information is passed on to the switch. The switch verifies the fingerprint with the server, and if successful, requests the banking application to authorize the transaction. Based on the result, the Switch instructs the ATM to complete the transaction. ITC s solution meets this requirement, by performing requisite message translations as well as confirming authorization.