4. HOW ATM WORKS :- 1.The ATM is act as a data terminal. ATM has to connect to or communicate through a host computer . 2. The host computer in analogous to an Internet service provider (ISP) . 3. The host computer is the gateway through which all the various ATM network becomes available to the user.
5. 4. In ATM system customers authenticate themselves by using a plastic card with a magnetic stripe which is known as “ ATM CARD”. 5. The magnetic stripe encodes the customers account number and a numeric password which is known as PIN (Personal Identification Number) . 6. The ATM prompts the user to insert the card. 7. When the card is entered the customer personal identification number (PIN) is requested.
6. 8. The customer inputs his or her PIN. 9. If the card is a valid card which can be processed by the machine then control transfer to next stages and prompts the user to either transfer, deposit or withdrawal of cash. 10. If the number entered incorrectly several times in a row most ATMs will retain the card as a security precaution to prevent an unauthorized users . 11. ATM reads and store customer’s data on a smart card.
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9. HARDWARE AND SOFTWARE :- 1. ATM contain secure crypto-processors, generally within an IBM PC compatible host computer in a secure enclosure . 2. The security of the machine relies mostly on the integrity of the secure crypto-processor. 3. A crypto-processor is a type of processor which process encrypted datas.
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13. CARD PIN CARD PRESENT USER OK ACC. NO. S E C U R I T Y ACC NO PIN REQUEST PIN VALIDATE USER SELECT SERVICE INCORRECT PIN RE-ENTER PIN INCORECT PIN RETURN CARD TIME OUT RETURN CARD INVALID CARD RETURN CARD STOLEN CARD RETAIN CARD
14. To provide security, ATM system follows three different mechanism 1. Time out 2. Invalid card 3. Stolen card Time out :- The customer may fail to enter the PIN within the allowed time limit then the card is returned. Invalid card :- The card is not recognized and it is returned . Stolen card :- The card is recognized as a stolen card and is retained by the machine.
15. DATABASE SECURITY : 1. The ATM keeps all the information about the user and user’s account inside the centralized database. Inside the database all the information are stored in the form of tables (objects) which are more secured than the general file systems. 2.The database also provide locking mechanisms to maintain safety and security of data.
16. NETWORK SECURITY : The ATM network system provides the following features. 1. Authentication : The user is the one it claims to be. 2. Confidentiality : Only authorized users can access the content of the data. 3. Integrity : The data is not be altered by the third party during the transmission.
17. 4. Non-repudiation (refuse to access) : A user can’t deny the fact that it has accessed a service or data. ADDITIONAL FEATURES : 1. Verifications of identity : Security system is able to establish and verify the claimed identity of any actor in an ATM network. 2. Protection of confidentiality : Stored and communicate datas are confidential.
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19. 6. Security recovery : The security system is able to recover from successful or attempted failures of security.
20. PRECAUTIONS TO TAKE :- 1.Treat your ATM card like cash. Always keep your card in a safe place. 2. Keep your secret code as secret. Don’t use date of birth, address ,phone number as your PIN. 3. Take your receipt on every ATM transaction. Don’t leave it at or near the ATM counter. 4. Report a lost or stolen card at once. 5. ATM users should seek out a machine that is located in a well-lighted area.
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