International Journal of Engineering and Technology

In this paper, a strong authentication and security to credit/debit cards with biometric verification along with emergency-mode for Automated Teller Machine (ATM) cash payment withdrawal gateway and point of sale (POS) based payment gateway for commercial and business banking applications are exposed. When consumer with biometric based credit/debit card is willing to make a cash payment withdrawal, then he is allowed to make self-authentication by means of finger print verification. After successful verification of finger print credentials, ATM machine will ask to enter the PIN for successful cash withdrawal of individual user. If credit/debit card is used by the siblings of account/card holder then they can be authenticated for cash withdrawal based on their biometric registration at bank or using the emergency mode under the one time password and/or web based security code acknowledgement capability. Two step web based verification also provided in case of accessing the credit/debit card by joint account holders. If any one of account holder willing to make a transaction then withdrawal can be acknowledged by sending the verification code to another account holder by means of one time password or verification code alert. Transactions can be declined in case of unforeseen cash withdrawal request by terminating verification code. If more than two fraudulent transactions are identified then, system will allow marking the response and sending the fake transaction details to bank for further constabulary’s processes.