Smart ATM Card for Multiple Bank Accounts

The main objective of this paper is to integrate multiple bank accounts and multiple users accounts into one single smart card using RFID. A Formula based authentication is used for generating OTP using alphabets and operators and substituting the numbers for the alphabets. OTP will be sent to registered phone numbers during registration. To increase security, we have added the biometrics (fingerprint) of the user, which comes in use during each transaction. Thus, the users can register the bank details and now proceed with their transactions without carrying multiple bank ATM cards or memorizing various pin numbers, thereby ensuring security and authenticity through the biometric authentication.