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  • Department: COMPUTER SCIENCE
  • Chapters: 1-5
  • Pages: 64
  • Attributes: Questionnaire, Data Analysis, Abstract
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TABLE                                                                                        PAGE

COVER PAGE                                                                                                                       i

THESIS PAGE                                                                                                                       ii

DECLARATION                                                                                                                   iii

CERTIFICATION                                                                                                                 iv

ACKNOWLEDGEMENT                                                                                                     v

ABSTRACT                                                                                                                           vi        

TABLE OF CONTENT                                                                                                        vii

LIST OF TABLE                                                                                                                   viii

LIST OF FIGURE                                                                                                                  ix


1.0 Introduction                                                                                                                      1

1.1 Background of Study                                                                                                        1

1.2 Statement of the Problem                                                                                                 4

1.3 Aim and Objectives of studies                                                                                          4

1.4 Significance of Study                                                                                                        5

1.5 Scope of the Study                                                                                                           6

1.6 Limitations of study                                                                                                         6

 Definition of Terms                                                                                                               7


2.0 Introduction                                                                                         9

2.1 Review of literature                                                                                                          10

2.2 The Automated Teller Machine                                                                                       13

2.3 Types of ATM Fraud                                                                                                      15

2.4 Categories of Biometric                                                                                                    16

2.5 Types of Biometric                                                                                                          17

2.5.1 Fingerprint                                                                                                                     17

2.5.2 Voice                                                                                                                              18

2.5.3 Facial                                                                                                                              19

2.5.4 Retina                                                                                                                             21

2.6 Biometric Accuracy Criteria                                                                                             22

2.7 Summary of Review                                                                                                         23


3.0 Introduction                                                                                                                      25

3.1 Analysis of Existing System                                                                                             26

3.2 Limitation of the Existing System                                                                                    26

3.3 Justification of the New   System                                                                                   27

3.4 Methodology                                                                                                                    27

3.5 Data collection                                                                                                                  29

3.6 Proposed New System                                                                                                     30

3.7 Components of the New System                                                                                     34

3.8 Representation of the System                                                                                          35

3.8.1 Use case Diagram                                                                                                           35

3.8.2 Activity Diagram                                                                                                           36

3.8.3 Flow Chart Diagram                                                                                                      37


4.0 Introduction                                                                                                                      40

4.1 Choice of programming language                                                                                      40

4.1.1 Visual Basic 2010                                                                                                          40

4.1.1 Microsoft .Net Framework                                                                                           41

4.1.2 Microsoft Server 2008                                                                                                   42

4.2 System Main Menu and Implementation                                                                         43

4.3 Implementation of the Subsystem                                                                                                46

4.3.1 Account Holder Information                                                                                         46

4.3.2 Card Holder Information                                                                                               46

4.3.3 Alternate ATM user Detail                                                                                           47

4.3.4 ATM Card form                                                                                                                        48

4.4 Query Subsystem Implementation                                                                                   52

4.5 System Testing and Integration                                                                                        54

4.5.1 Testing                                                                                                                           54

4.5.2 Integration                                                                                                                      54

4.6 The Test Data                                                                                                                   55

4.6.1 Hardware Requirement For the System                                                                                    56

4.6.2 Software Requirement for the System                                                                           56

4.6.3 System Documentation                                                                                                 57

4.6.4  Software Maintenance                                                                                                  57


5.0 Summary                                                                                                                           58

5.1 Findings and Discussion                                                                                                   58

5.2 Suggestion for Future Work                                                                                              59

5.4: Recommendation                                                                                                             49

5.3: Conclusion                                                                                                                       60

REFERENCE                                                                                                                         61

APPENDIX                                                                                              63


TABLE                                                                                                  PAGE

Table 3.1 Analysis of Questionnaire                                                                                      29

Table 3.2  Account Holder Information                                                                                 33

Table 3.3 Card Holder Information                                                                                        33

Table 3.4 Alternate User information                                                                                     34


FIGURE                                                                                        PAGE

Figure 2.1 Types of Finger Print                                                                                            18

Figure 2.2 Sample of a voice Pattern                                                                                      19

Figure 2.3 Sample of a Facial Recognition Pattern                                                                 21

Figure 2.4 Sample of Retina Images                                                                                        22

Figure 3.1 Diagram of a client Server Architecture                                                                 28

Figure 3.2 Pie Chart Showing Result of the Questionnaire                                                    29

Figure 3.3 Numeric Input Diagram                                                                                         32

Figure 3.4 Biometric Input                                                                                                     32

Figure 3.5 Use Case Diagram of an ATM Processes                                                             36

Figure 3.6 Activity Diagram                                                                                                   37

Figure 3.7 Flow chart Diagram                                                                                               38

Figure 4.1 Start Page                                                                                                               43

Figure 4.2AdminLogin Interface                                                                                             44

Figure 4.3 New account opening Form                                                                                   45

Figure 4.4 Account Holder Information                                                                                 46

Figure 4.5card holder Information                                                                                          47

Figure 4.6Alternate User Detail                                                                                              48

Figure 4.7 ATM Card Form                                                                                                   49

Figure 4.8 Insertion of ATM Card                                                                                         50

Figure 4.9 Insertion of Password                                                                                            51

Figure 4.10 Insertion of Finger Print                                                                                      51

Figure 4.11 Admin Login                                                                                                        52

Figure 4.12 Incorrect password                                                                                              53

Figure 4.13Test Data                                                                                                              55



         1.1  Background to the Study

In the olden days, financial institution in Nigeria did almost all their transactions manually, to allow customers perform their financial transactions and other banking processes. The customers have to form a queue which ends up consuming a lot of consumer’s time and is not always efficient. In view of this and the fast wind of  IT sweeping through Nigeria, had lead the bank to the utilization of an electronic device known as Automatic Teller Machine (ATM) for performing transaction without the physical presence of a bank delegate. Automated teller machine is a mechanical device that has its roots embedded in the accounts and records of a banking institution. It is a machine that allows the bank customers to carry out banking transactions like deposits, transfers, balance enquiries, mini statement, withdrawal and fast cash e.t.c. The ATM has gained wide utilization due to the 24 hours service it provides to customers. Khatmode R. K. et al,(2014).

            Nearly 10 years since its introduction in Nigeria, the ATM has become the favored channel of financial transaction by most Nigerians. However, the expanding and wide acceptance of the ATM by the member of the public has led to a need to further build and enhance the security and integrity of the system. Utilization of ATM (Automatic Teller Machine) is helpful for monetary transaction. ATM transaction is initiated by inserting the ATM card and typing the PIN (Personal Identification Number) of that specific card. Despite the fact that bank allows their customers to choose their PIN, this system is not safe to use because anybody can access the system if they have the card and PIN number. The system looks at the code against a stored list of approved authorized passwords and users. PIN typically in a form of four digit combination of numbers that is entered via the ATM panel. If the code is genuine, the system permits access at the security level approved for the owner of the account. The strength of PIN as a security system is weakened and the likelihood of the code leaking to other people is high. In recent time, due to fraudsters advancements and technological improvement it is now possible to fix ATM Card scanners in ATM Machine to acquire encoded information from ATM Card, which is again used to create a copy of the ATM card and to make fraudulent transactions. This is the primary impediment of the current system. Conventional ATM systems authentication method has some limitations. Using A