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Interactive ATM for Visually Challenged
ISSN (Online) 2278-1021 IJARCCE ISSN (Print) 2319-5940 International Journal of Advanced Research in Computer and Communication Engineering Vol. 7, Issue 8, August 2018 Interactive ATM for Visually Challenged Ramkumar Murthy1 Electronics and Communication Engineering Department, Sri Manakula Vinayagar Engineering College, Puducherry, India 1 Abstract: In today's industrious world, the use of ATMs has become common. Visually challenged find it difficult to access ATM using magnetic cards and touch screen displays. The setup in existence uses an Ear phone facility to start transaction by inserting in the jack and plug out to stop the transaction. It is very difficult for them to identify and insert the earphone into the jack and also to locate the machine. To overcome these shortcomings, the ATM is provided with speaker guidance system to reach the ATM and with a handset arrangement for interaction. The initial level of security is the handprint biometric through which the person can access the door. The next level of security involves the voice code detection which verifies the person's voice password with that of pre-recorded code. If the authentication process succeeds, the person is accepted as a valid user. Through pre-recorded instructions received via handset, the visually challenged is able to withdraw or deposit money. Keywords: Handset, Hand print biometric, Voice code detection, Voice biometric, Authentication I. INTRODUCTION People once made use of banking sectors to do their money transactions by filling the Chelan, Demand Draft or Cheque. Today, accessing and handling of money is supported by Automated Teller Machine (ATM). Generally, they find it easy to access the ATMs using the magnetic card and touch screen displays to do their transactions. -
Inclusive Financial Services for Seniors and Persons with Disabilities: Global Trends in Accessibility Requirements
Inclusive Financial Services For Seniors and Persons with Disabilities: Global Trends in Accessibility Requirements February 2015 Inclusive Financial Services For Seniors and Persons with Disabilities: Global Trends in Accessibility Requirements A G3ict Best Practices White Paper Series Researched in Cooperation with the Center for Internet and Society February 2015 Acknowledgments G3ict would like to express its gratitude to the authors involved in drafting this report: Deepti Samant Raja, G3ict; Nirmita Narasimhan, Center for Internet and Society; Pina D’Intino, Scotiabank; Vrinda Maheshwari and Viviana Montenegro, G3ict. G3ict also wishes to thank experts and reviewers who contributed to the development of this report and offered their insights and comments: Frances West, Chief Accessibility Officer at IBM; Joshua Goldstein, Principal Director for Economic Citizenship & Disability Inclusion, Center for Financial Inclusion at ACCION International; Preety Kumar, CEO, Deque Systems, Ambassador Luis Gallegos, Chairman of the Board of Trustees, G3ict, former chair of the United Nations General Assembly Preparatory Committee for the Convention on the Rights of Persons with Disabilities; Gita Esmieu, Société Générale (retired); Dr. Sam Taraporevala, Director, Xavier's Resource Center for the Visually Challenged, St. Xavier's College; Mr. Mohan Tanksale, Chief Executive, Indian Banks Association; Prof. Dr. A. Darvishy Zurich University For Applied Sciences Institute for Applied Information Technologies, Head ICT-Accessibility Lab; Francesca Cesa Bianchi, Vice President, Institutional Relations, G3ict. A particular note of appreciation goes to IBM, Scotiabank and Deque Systems whose generous support made this report possible. About G3ict G3ict – the Global Initiative for Inclusive Information and Communication Technologies – is an advocacy initiative launched in December 2006 in cooperation with the Secretariat for the Convention on the Rights of Persons with Disabilities at UNDESA. -
Concepts and Definitions of Various Banking Terminology
Reading Material Concepts and definitions of various banking terminology. All the information is collected using various free web-sites on internet for the purpose of enhancing knowledge of the participants in the field of banking. 1 Banks in the economy Role in the money supply A bank raises funds by attracting deposits, borrowing money in the inter-bank market, or issuing financial instruments in the money market or a capital market. The bank then lends out most of these funds to borrowers. However, it would not be prudent for a bank to lend out all of its balance sheet. It must keep a certain proportion of its funds in reserve so that it can repay depositors who withdraw their deposits. Bank reserves are typically kept in the form of a deposit with a central bank. This behaviour is called fractional-reserve banking and it is a central issue of monetary policy. Some governments (or their central banks) restrict the proportion of a bank's balance sheet that can be lent out, and use this as a tool for controlling the money supply. Even where the reserve ratio is not controlled by the government, a minimum figure will still be set by regulatory authorities as part of bank regulation. Size of global banking industry Worldwide assets of the largest 1,000 banks grew 15.5% in 2005 to reach a record $60.5 trillion. This follows a 19.3% increase in the previous year. EU banks held the largest share, 50% at the end of 2005, up from 38% a decade earlier. -
50Th ATM Anniversary – Fact Sheet
50th ATM Anniversary – Fact Sheet 1. The world's first automated cash dispenser -- later known as an Automated Teller Machine -- was inaugurated at the Enfield branch of Barclays Bank in London on 27th June, 1967. This device was invented by John Shepherd-Barron and his team at De La Rue Instruments Ltd. Looking back 50 years later, we can see that this machine was a beacon of hope heralding a fundamental shift in banking. Today, there are over three million ATMs worldwide as well as more than 200 different kinds of transaction possible on these highly interconnected terminals. 2. At the time of its invention, the ATM was an unproven device which people didn’t even know they needed, far less would come to rely on. It has subsequently revolutionised society and helped bring about the 24/7 self-service culture we know today with its convenient access to financial services beyond banking hours, such as cash withdrawals, balance enquiries and a growing range of value-added services. The ATM certainly changed the way we think and behave, both as individuals and as a society, and put us in control of our cash for the first time. Over time, we see that self-service devices like the ATM laid the groundwork for today’s range of digital retail financial services. New services and technology, such as biometric and anti-fraud solutions, are continuously contributing to the on-going innovation of the ATM, where security is far stronger than it is on laptops and cell phones. For most of its 50 year timespan, the ATM has stayed at the cutting-edge of innovation and public interface, providing a reliable and secure set of services whilst building the trust of consumers.