AU2021104120A4 - A system and method for performing secure transaction in atm using remote pin login - Google Patents

A system and method for performing secure transaction in atm using remote pin login Download PDF

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AU2021104120A4
AU2021104120A4 AU2021104120A AU2021104120A AU2021104120A4 AU 2021104120 A4 AU2021104120 A4 AU 2021104120A4 AU 2021104120 A AU2021104120 A AU 2021104120A AU 2021104120 A AU2021104120 A AU 2021104120A AU 2021104120 A4 AU2021104120 A4 AU 2021104120A4
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atm
pin
color
transaction
machine
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AU2021104120A
Inventor
Nusrat Fatma
Baseem Khan
Amit Pandey
Pawan Singh
Shubham SINGH
Prateek SINGHAL
Archana YADAV
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Khan Baseem Dr
Pandey Amit Dr
Fatma Nusrat Ms
Singh Pawan Dr
Original Assignee
Khan Baseem Dr
Pandey Amit Dr
Fatma Nusrat Ms
Singh Pawan Dr
Singh Shubham Mr
Singhal Prateek Mr
Yadav Archana Ms
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Priority to AU2021104120A priority Critical patent/AU2021104120A4/en
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    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31User authentication
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108Remote banking, e.g. home banking
    • G06Q20/1085Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20Automatic teller machines [ATMs]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/02Input arrangements using manually operated switches, e.g. using keyboards or dials
    • G06F3/023Arrangements for converting discrete items of information into a coded form, e.g. arrangements for interpreting keyboard generated codes as alphanumeric codes, operand codes or instruction codes
    • G06F3/0238Programmable keyboards

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention generally relates to a method for performing secure transaction in atm using remote pin login. The method comprises selecting at least one mode from normal mode and secure mode after entering withdrawal amount on an automated teller machine (ATM), wherein normal mode is an ATM pin-based transaction; in secure mode, receiving a message to user registered mobile number mentioning the ATM machine location along with entered amount and withdrawal permission link; giving withdrawal permission by clicking on a link and thereby opening a bank's user interface to activate an interactive color coded keyboard; and entering the ATM pin using color-coded keyboard with shuffled keys either from the distant location from ATM machine or from the ATM machine chamber, wherein the color-codes are encrypted and sent back to the user interface, wherein the ATM machine end system decrypt the encrypted color-coded pin to verify the ATM pin number in order to perform transaction. 15 D 0r WEr aia 3i at r a-i cc 03 a 00

Description

D 0r
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A SYSTEM AND METHOD FOR PERFORMING SECURE TRANSACTION IN ATM USING REMOTE PIN LOGIN FIELD OF THE INVENTION
The present invention relates to a system and a method for performing secure transaction in atm using remote pin login.
BACKGROUND OF THE INVENTION
Bank machines that operate on an automated basis are well-known. An automated teller machine (ATM) is a sort of automated banking machine that is utilized by consumers to conduct banking transactions.
ATMs frequently respond to communications with a host banking system by authorizing and performing transactions. Dedicated or dial-up networks, as well as telephone lines, are commonly used for such conversations. As a result, ATMs are typically setup in places where physical network connections or communications lines are available. If such ports or lines are not available, the intended ATM location must be modified to include such a physical network connection, or the ATM must be relocated. The range of places where an ATM can be placed may be limited due to land line network restrictions. As a result, there is a demand for an ATM that can be deployed in locations where a land line-based communication network connection or port cannot be easily added.
ATMs are typically controlled by input and output devices integrated within a specific user interface. In most cases, only one person can utilise such a user interface at a time. There is also a requirement for an ATM system that can be controlled remotely or by several users, that are more cost-effective to manufacture and operate, that can handle a wider range of transactions and can complete them quickly and reliably.
A customer inserts a card and enters a personal identification number (PIN) for authorization in a traditional automated teller machine (ATM). The customer can choose to withdraw cash, make a deposit, or transfer money between accounts once they have been authorised. If the consumer has multiple accounts, he or she can select which one to utilise for this transaction. In some cases, such as cash withdrawals, the customer must provide an amount for the transaction. The transaction will be completed by the ATM. The customer can then receive a receipt from the ATM.
However, there are several disadvantages to use an ATM in this manner. A consumer may not be aware of the location of the nearest ATM. Furthermore, the consumer may be concerned about security risks if the transaction is completed entirely using the ATM machine and its keyboard. A risk when the user asked to withdraw the money from its account by some other person using ATM machine and its card. A risk of unwanted withdrawal if the owner of the account handover the ATM card and PIN to someone else to withdraw some money for him. Furthermore, the nearby ATM may not have the capabilities that the consumer requires.
In the view of the forgoing discussion, it is clearly portrayed that there is a need to have a system for performing secure transaction in ATM using remote pin login.
SUMMARY OF THE INVENTION
The present disclosure relates to the implementation of enhanced ATM machine transactions where better security of ATM cash withdrawal is maintained. It uses message notification when the user enters the amount for cash withdrawal or money transfer using ATM. In secure mode, ATM machine receives the pin from the colour-coded keyboard, with shuffled keys, which is active on user's mobile application for verification.
In an embodiment, a method for performing secure transaction in atm using remote pin login is disclosed. The method includes selecting at least one mode from normal mode and secure mode after entering withdrawal amount on an automated teller machine (ATM), wherein normal mode is an ATM pin-based transaction. In secure mode, the method further includes receiving a message to user registered mobile number mentioning the ATM machine location along with entered amount and withdrawal permission link. The method further includes giving withdrawal permission by clicking on a link and thereby opening a bank's user interface to activate an interactive color-coded keyboard. The method further includes entering the ATM pin using color-coded keyboard with shuffled keys either from the distant location from ATM machine or from the ATM machine chamber, wherein the color-codes are encrypted and sent back to the user interface, wherein the ATM machine end system decrypt the encrypted color-coded pin to verify the ATM pin number in order to perform transaction.
In another embodiment, ATM interacts with a user to gather transaction information, thereby sends the transaction information to a central computer for validation and processing to dispense cash to the user.
In another embodiment, the user receives two web links over a user device, wherein one of the links is used to accept the withdrawal request another link is used to deny the withdrawal request in order to avoid any fraud.
In another embodiment, the transaction is on hold until the user accepts the withdrawal request, wherein the withdrawal request is active for a predetermined time and after completion of the predetermined time the transaction is cancelled automatically, wherein the predetermined time ranges from 5 seconds to 3 minutes.
In another embodiment, for each transaction, the mapping of the keys with color of the keys are altered and thereby keys are shuffled.
In another embodiment, a system for performing secure transaction in ATM using remote pin login is disclosed. The system includes a display configured for selecting at least one mode from normal mode and secure mode after entering withdrawal amount on an automated teller machine (ATM), wherein normal mode is an ATM pin-based transaction. In the secure mode, the system further includes a user device for receiving a message to user registered mobile number mentioning the ATM machine location along with entered amount and withdrawal permission link. The system further includes a bank's user interface for giving permission by clicking on a link and the bank's user interface is opened to activate an interactive color-coded keyboard. The system further includes a color-coded keyboard to enter ATM pin with shuffled keys either from the distant location from ATM machine or from the ATM machine chamber, wherein the color-codes are encrypted and sent back to the user interface. The system further includes an ATM machine end system to decrypt the encrypted color-coded pin to verify the ATM pin number in order to perform transaction.
In another embodiment, after entering the ATM Pin code in the form of colors, the encrypted color-codes are sent back to a central computer, thereafter the central computer decrypts the codes and matches with the ATM pin code, wherein if the ATM Pin is correct, the system will check for the sufficient funds in the account along with ATM machine and thereafter dispense the entered amount.
In another embodiment, at most three chances are provided to enter the correct password and thereafter the card is blocked and the registered user in informed about the blocking of card through a message.
An object of the present disclosure is to provide a system and a method for performing secure transaction in atm using remote pin login.
Another object of the present disclosure is to lead an advancement in securing the ATM transaction from any malicious intruder.
Yet another object of the present disclosure is to keep safe the ATM pin from the malicious intruder if using the ATM Card by itself.
Yet another object of the present disclosure is to get the cash withdrawal by the other person using only ATM Card and even by not providing the ATM Pin.
Yet another object of the present disclosure is to enhances the data transmission security by using colour codes transmission of the ATM Pin between the user mobile application and system rather than numeric values.
To further clarify advantages and features of the present disclosure, a more particular description of the invention will be rendered by reference to specific embodiments thereof, which is illustrated in the appended drawings. It is appreciated that these drawings depict only typical embodiments of the invention and are therefore not to be considered limiting of its scope. The invention will be described and explained with additional specificity and detail with the accompanying drawings.
BRIEF DESCRIPTION OF FIGURES
These and other features, aspects, and advantages of the present disclosure will become better understood when the following detailed description is read with reference to the accompanying drawings in which like characters represent like parts throughout the drawings, wherein:
Figure 1 illustrates a flow chart of a method for performing secure transaction in atm using remote pin login in accordance with an embodiment of the present disclosure; Figure 2 illustrates a block diagram of a in ATM using remote pin login in accordance with an embodiment of the present disclosure; and Figure 3 illustrates a secure colour-coded keyboard available at the user's mobile application in accordance with an embodiment of the present disclosure; Figure 4 illustrates an architecture of the system in accordance with an embodiment of the present disclosure;
Further, skilled artisans will appreciate that elements in the drawings are illustrated for simplicity and may not have necessarily been drawn to scale. For example, the flow charts illustrate the method in terms of the most prominent steps involved to help to improve understanding of aspects of the present disclosure. Furthermore, in terms of the construction of the device, one or more components of the device may have been represented in the drawings by conventional symbols, and the drawings may show only those specific details that are pertinent to understanding the embodiments of the present disclosure so as not to obscure the drawings with details that will be readily apparent to those of ordinary skill in the art having benefit of the description herein.
DETAILED DESCRIPTION
For the purpose of promoting an understanding of the principles of the invention, reference will now be made to the embodiment illustrated in the drawings and specific language will be used to describe the same. It will nevertheless be understood that no limitation of the scope of the invention is thereby intended, such alterations and further modifications in the illustrated system, and such further applications of the principles of the invention as illustrated therein being contemplated as would normally occur to one skilled in the art to which the invention relates.
It will be understood by those skilled in the art that the foregoing general description and the following detailed description are exemplary and explanatory of the invention and are not intended to be restrictive thereof.
Reference throughout this specification to "an aspect", "another aspect" or similar language means that a particular feature, structure, or characteristic described in connection with the embodiment is included in at least one embodiment of the present disclosure. Thus, appearances of the phrase "in an embodiment", "in another embodiment" and similar language throughout this specification may, but do not necessarily, all refer to the same embodiment.
The terms "comprises", "comprising", or any other variations thereof, are intended to cover a non-exclusive inclusion, such that a process or method that comprises a list of steps does not include only those steps but may include other steps not expressly listed or inherent to such process or method. Similarly, one or more devices or sub-systems or elements or structures or components proceeded by "comprises...a" does not, without more constraints, preclude the existence of other devices or other sub-systems or other elements or other structures or other components or additional devices or additional sub-systems or additional elements or additional structures or additional components.
Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. The system, methods, and examples provided herein are illustrative only and not intended to be limiting.
Embodiments of the present disclosure will be described below in detail with reference to the accompanying drawings.
Referring to Figure 1, a flow chart of a method for performing secure transaction in atm using remote pin login is illustrated in accordance with an embodiment of the present disclosure. At step 102, the method 100 includes selecting at least one mode from normal mode and secure mode after entering withdrawal amount on an automated teller machine (ATM), wherein normal mode is an ATM pin-based transaction.
At step 104, the method 100 includes in secure mode, receiving a message to user registered mobile number mentioning the ATM machine location along with entered amount and withdrawal permission link.
At step 106, the method 100 includes giving withdrawal permission by clicking on a link and thereby opening a bank's user interface to activate an interactive color-coded keyboard.
At step 108, the method 100 includes entering the ATM pin using color-coded keyboard with shuffled keys either from the distant location from ATM machine or from the ATM machine chamber, wherein the color-codes are encrypted and sent back to the user interface, wherein the ATM machine end system decrypt the encrypted color-coded pin to verify the ATM pin number in order to perform transaction.
In an embodiment, ATM interacts with a user to gather transaction information, thereby sends the transaction information to a central computer for validation and processing to dispense cash to the user.
In an embodiment, the user receives two web links over a user device, wherein one of the links is used to accept the withdrawal request another link is used to deny the withdrawal request in order to avoid any fraud.
In an embodiment, the transaction is on hold until the user accepts the withdrawal request, wherein the withdrawal request is active for a predetermined time and after completion of the predetermined time the transaction is cancelled automatically, wherein the predetermined time ranges from 5 seconds to 3 minutes.
In an embodiment, for each transaction, the mapping of the keys with color of the keys are altered and thereby keys are shuffled.
Figure 2 illustrates a block diagram of a system for performing secure transaction in ATM using remote pin login in accordance with an embodiment of the present disclosure. The system 200 includes a display unit 202 for selecting at least one mode from normal mode and secure mode after entering withdrawal amount on an automated teller machine (ATM), wherein normal mode is an ATM pin-based transaction.
In an embodiment, a user device 204 is connected for receiving a message to user registered mobile number mentioning the ATM machine location along with entered amount and withdrawal permission link.
In an embodiment, a bank's user interface 206 is used for giving permission by clicking on a link and the bank's user interface 206 is opened to activate an interactive color coded keyboard.
In an embodiment, a color-coded keyboard 208 is installed to enter ATM pin with shuffled keys either from the distant location from ATM machine or from the ATM machine chamber, wherein the color-codes are encrypted and sent back to the user interface.
In an embodiment, an ATM machine end system 210 is connected to decrypt the encrypted color-coded pin to verify the ATM pin number in order to perform transaction.
In an embodiment, after entering the ATM Pin code in the form of colors, the encrypted color-codes are sent back to a central computer, thereafter the central computer decrypts the codes and matches with the ATM pin code, wherein if the ATM Pin is correct, the system will check for the sufficient funds in the account along with ATM machine and thereafter dispense the entered amount.
In an embodiment, at most three chances are provided to enter the correct password and thereafter the card is blocked and the registered user in informed about the blocking of card through a message.
In an embodiment, the owner of the ATM card himself/herself can withdraw the money from ATM machine using secure mode and entering the ATM Pin using his/her banks mobile application.
In an embodiment, the owner of the ATM card can give his ATM Card to his/her known person to withdraw the money from ATM machine on his behalf. The owner need not to give the ATM Pin. The owner can stay at distant location from ATM machine and use secure mode and entering the ATM Pin using his/her banks mobile application. It ensures the confidentiality of ATM Pin and do not let it disclose to even the known person of the card owner to avoid the unwanted withdrawal.
In an embodiment, the use of banks mobile application reduces the need of separate mobile application to enter the ATM Pin.
In an embodiment, wherein for each transaction, the shuffling of the keys and shuffling of the mapping of the keys with color of the keys. Entering the ATM Pin using the mobile application will ensures the confidentiality of ATM Pin from thieves and hidden camera.
Figure 3 illustrates a secure colour-coded keyboard 208 available at the user's mobile application in accordance with an embodiment of the present disclosure. The colour-coded keyboard 208 is used to enter the ATM pin with shuffled keys to proceed forward. After, entering the encrypted color-codes it will be sent back to the system for decryption and matches with the ATM pin code. This proposed system provides more security rather than card less ATM system. In the proposed system whenever any withdrawal occur it require a permission to proceed forward, and random color-coded pin is shown when user will open the bank's application and it is valid for few minutes.
Figure 4 illustrates architecture of the system in accordance with an embodiment of the present disclosure. The present disclosure relates the implementation of enhanced ATM machine transactions where better security of ATM cash withdrawal is maintained. It uses message notification when the user enters the amount for cash withdrawal or money transfer using ATM. In secure mode, it receives the pin from the colour-coded keyboard 208, with shuffled keys, which is active on user's mobile application for verification.
In this proposed system, either the main card owner or some user on behalf of an account holder insert the card in ATM machine and select language after reading as well as fetching the card details. It shows option regarding the type of account such as saving account or current account. Once entered the type of the account, the system verifies the existence of the account. The system will ask for the type of transaction: balance enquiry or cash withdrawal/money transfer. If the user of card opts for cash withdrawal, then the user has to enter the amount to withdraw. After entering the amount, the system will ask for the mode of operation: first, secure mode and second, normal mode. In normal mode the function of the system is traditional, where user has to enter the ATM Pin using the ATM machine's mechanical keyboard.
Unlike normal mode, in secure mode, system automatically sends the message to the actual card owner's registered mobile number which contains the location of ATM machine, withdrawal amount and two web links one to accept the withdrawal request another to deny the withdrawal request. The actual card owner is either the user of the card or staying at some distant location. It will not proceed forward until owner of the account/card gives the permission for withdrawal. After providing the permission by the account owner, the card owner has to open the bank's mobile application to use interactive color-coded keyboard 208. For each withdrawal, the mapping of the keys with colour of the keys will be altered and the keys will be shuffled. Once the interactive color-coded keyboard 208 is active, the card owner enters the ATM pin using the color-coded keyboard 208 to proceed forward. After entering the ATM Pin code in the form of colours, the encrypted color-codes will be sent back to the system. The system decrypts the codes and matches with the ATM pin code. If the ATM Pin is correct, the system will check for the sufficient funds in the account. If the funds are available, dispense the cash and update the new balance.
The drawings and the forgoing description give examples of embodiments. Those skilled in the art will appreciate that one or more of the described elements may well be combined into a single functional element. Alternatively, certain elements may be split into multiple functional elements. Elements from one embodiment may be added to another embodiment. For example, orders of processes described herein may be changed and are not limited to the manner described herein. Moreover, the actions of any flow diagram need not be implemented in the order shown; nor do all of the acts necessarily need to be performed. Also, those acts that are not dependent on other acts may be performed in parallel with the other acts. The scope of embodiments is by no means limited by these specific examples. Numerous variations, whether explicitly given in the specification or not, such as differences in structure, dimension, and use of material, are possible. The scope of embodiments is at least as broad as given by the following claims.
Benefits, other advantages, and solutions to problems have been described above with regard to specific embodiments. However, the benefits, advantages, solutions to problems, and any component(s) that may cause any benefit, advantage, or solution to occur or become more pronounced are not to be construed as a critical, required, or essential feature or component of any or all the claims.

Claims (10)

WE CLAIM
1. A method for performing secure transaction in atm using remote pin login, the method comprises: selecting at least one mode from normal mode and secure mode after entering withdrawal amount on an automated teller machine (ATM), wherein normal mode is an ATM pin-based transaction; in secure mode, receiving a message to user registered mobile number mentioning the ATM machine location along with entered amount and withdrawal permission link; giving withdrawal permission by clicking on a link and thereby opening a bank's user interface to activate an interactive color-coded keyboard; and entering the ATM pin using color-coded keyboard with shuffled keys either from the distant location from ATM machine or from the ATM machine chamber, wherein the color codes are encrypted and sent back to the user interface, wherein the ATM machine end system decrypt the encrypted color-coded pin to verify the ATM pin number in order to perform transaction and ensure the confidentiality of ATM Pin from thieves and hidden camera.
2. The method as claimed in claim 1, wherein ATM interacts with a user to gather transaction information, thereby sends the transaction information to a central computer for validation and processing to dispense cash to the user.
3. The method as claimed in claim 1, wherein the user receives two web links over a user device, wherein one of the links is used to accept the withdrawal request another link is used to deny the withdrawal request in order to avoid any fraud.
4. The method as claimed in claim 3, wherein the transaction is on hold until the user accepts the withdrawal request, wherein the withdrawal request is active for a predetermined time and after completion of the predetermined time the transaction is cancelled automatically, wherein the predetermined time ranges from 5 seconds to 3 minutes.
5. The method as claimed in claim 1, wherein the banks mobile application is used to enter the ATM Pin in order to avoid the need of separate mobile application to enter the ATM Pin.
6. The method as claimed in claim 1, wherein for each transaction, the method comprises shuffling of the keys and shuffling of the mapping of the keys with color of the keys.
7. A system for performing secure transaction in ATM using remote pin login, the system comprises:
a display configured for selecting at least one mode from normal mode and secure mode after entering withdrawal amount on an automated teller machine (ATM), wherein normal mode is an ATM pin-based transaction; a user device for receiving a message to user registered mobile number mentioning the ATM machine location along with entered amount and withdrawal permission link; a bank's user interface for giving permission by clicking on a link and the bank's user interface is opened to activate an interactive color-coded keyboard; a color-coded keyboard to enter ATM pin with shuffled keys either from the distant location from ATM machine or from the ATM machine chamber, wherein the color-codes are encrypted and sent back to the user interface; and an ATM machine end system to decrypt the encrypted color-coded pin to verify the ATM pin number in order to perform transaction.
8. The system as claimed in claim 7, wherein after entering the ATM Pin code in the form of colors, the encrypted color-codes are sent back to a central computer, thereafter the central computer decrypts the codes and matches with the ATM pin code, wherein if the ATM Pin is correct, the system will check for the sufficient funds in the account along with ATM machine and thereafter dispense the entered amount.
9. The system as claimed in claim 7, wherein at most three chances are provided to enter the correct password and thereafter the card is blocked and the registered user in informed about the blocking of card through a message.
10. The system as claimed in claim 7, wherein in the secure mode: the owner of the ATM card himself/herself can withdraw the money from ATM machine and enter the ATM Pin using his/her banks mobile application; or the owner can stay at distant location from ATM machine and use secure mode and entering the ATM Pin using his/her banks mobile application, if the owner has handed over his ATM Card without ATM Pin to his/her known person to withdraw the money from ATM machine.
Figure 1
Figure 3
Figure 4
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