Abstract: Security is continuously an important concern for most Information Technology-related industries, especially the banking industry. The banking industry is concerned with protecting and securing the privacy and data of their customers, as well as their transactions. The adoption of biometric technology as a means of identifying and authenticating individuals has been proposed as one of the varied solutions to many of the security challenges faced by the banking industry. In this paper, the authors address the ATM transaction authentication problem of banking transactions using fingerprint identification as one form of biometric authentication. The novel methodology adopted proposes the use of an online off-card fingerprint verification, which involves the matching of live fingerprint (templates) with pre-stored templates read from the ATM smart card. The experimental evaluation of the proposed methodology presents a system that offers a faster and relatively better security of authentication, as compared to previous and existing methodologies. Moreover, the use of BioHASH templates ensures an irreversible cryptographic hash function, facilitates a faster authentication, and enables an efficient framework of detecting potential duplicates of banking account holders.

Michael Mireku Kwakye, Hanan Yaro Boforo and Eugene Louis Badzongoly, “Adoption of Biometric Fingerprint Identification as an Accessible, Secured form of ATM Transaction Authentication” International Journal of Advanced Computer Science and Applications(IJACSA), 6(10), 2015. http://dx.doi.org/10.14569/IJACSA.2015.061035

@article{Kwakye2015,
title = {Adoption of Biometric Fingerprint Identification as an Accessible, Secured form of ATM Transaction Authentication},
journal = {International Journal of Advanced Computer Science and Applications},
doi = {10.14569/IJACSA.2015.061035},
url = {http://dx.doi.org/10.14569/IJACSA.2015.061035},
year = {2015},
publisher = {The Science and Information Organization},
volume = {6},
number = {10},
author = {Michael Mireku Kwakye and Hanan Yaro Boforo and Eugene Louis Badzongoly}
}