Security System ATM Machine with One-Time Passcode on M-Banking Application

Automated Teller Machine (ATM) security system currently still uses magnetic cards and static PIN as its security system, which create many security holes. This security hole in many cases caused many bank customers to lose money mysteriously. In this paper a two-factor authentication system which uses ATM card and dynamic PIN is proposed to overcome this security hole. In this paper, a prototype of an ATM and m-banking application were built. The ATM prototype uses several components such as the Raspberry Pi 3B, smart card, smart card reader / writer, keypad number and LCD monitor. Dynamic PINs are generated using the CSPRNG-SHA1-MWC random number generator. In developing the prototypes, the framework used in this study is based on mobile applications and cloud computing. To evaluate the quality of the prototype, we performed qualitative and quantitative tests. Qualitatively we tested the prototype using a questionnaire using 165 sample respondents to provide an opinion about the safety and comfort of our prototype and quantitatively we measured the prototype to find out the level of randomness of the generated PIN and the QoS of the designed prototype.