MULTIBANK ACCOUNT WITH SINGLE PIN SMART CARD USING LAB VIEW

1SHAMALA.V.C, 2REKHA.S.KAMBLI, 3ASHISH.K.BABU

1,2,3BITM Bellary, Karnataka, India

Abstract- The idea behind this paper is to embed more than one account into a single smart card so that the user can transact as he wishes with a single swipe. Here we use Lab view 2012 and Code composer studio v5 software’s for the coding purpose. The hardware used is MSP430G2553 and UART Module. Here the microcontroller acts like a smart card that holds the unique card number. This number is transferred to the system serially by UART module. That number gives access to the details of bank accounts of the user.

Index Terms- PIN, Smart card, ATM, , Lab view

I. INTRODUCTION numbers which each bank can create with their security code upon request by the user of the card. A debit card (also known as a bank card or check Different can create and enter the individuals’ card) is a plastic card that provides the bank account numbers in the same card. Initially bank cardholder electronic access to his or her bank can give a unique PIN code in the beginning. User can account(s) at a financial institution. The card, where later on change the PIN code and keep it single for all accepted, can be used instead of cash when making bank accounts. purchases. Debit cards usually also allow for instant withdrawal of cash, acting as the ATM card for Here ATM access software is based on the Lab view withdrawing cash. Merchants may also offer cash programming language which will be running on a PC back facilities to customers, where a customer can or Laptop which simulates areal ATM. User can use withdraw cash along with their purchase. his ATM Debit card plugged into this computer using USB port and Input one PIN for all bank account. A personal identification number (PIN, pronounced "") is a numeric password shared between a user II. PROBLEM STATEMENT and a system that can be used to authenticate the user to the system. Typically, the user is required to provide A. Existing System a non-confidential user identifier or token (the user An (ATM) or cash machine ID) and a confidential PIN to gain access to the is an electronic device that allows a bank’s customers system. Upon receiving the user ID and PIN, the to make cash withdrawals and check their account system looks up the PIN based upon the user ID and balances without the need or human teller. Many compares the looked-up PIN with the received PIN. ATMs also allow people to deposit cash or , The user is granted access only when the number transfer money between their bank ac- counts, top up entered matches with the number stored in the system. their mobile phones prepaid or even buy post- age Hence, despite the name, a PIN does not personally stamps. In most modern ATMs, the customer identify the user. identifies him or herself by inserting a plastic card with magnetic strip or plastic smart card with a chip For any transaction either in ATMs or business outlet that contains his or her account number. User has to enter for the PIN number to withdraw money or transfer money. Some people may have The customer then verifies his or her identity by many Debit cards from different banks. The user has entering a pass code (i.e.) personal identification to remember PIN code for each bank account which number (PIN) of four digits. If the number is entered may be sometimes is very cumbersome and he may not incorrectly several times consecutively (usually three), remember the PINs in order. To overcome this of most ATMs will retain the card as a security holding so many Cards and many PIN numbers it is precaution to prevent an unauthorized user form proposed to design a single card with many Accounts discovering the PIN by guesswork and so on. and a Single PIN code. Moreover there is a limitation in transaction for the other bank customers in using the ATM of some other It is proposed to use single chip Microcontroller with bank crossing the limit they have to pay transaction built in embedded code to different bank account fees.

Proceedings of 12th IRF International Conference, 29th June-2014, Pune, India, ISBN: 978-93-84209-31-5 1 Multibank Account With Single Pin Access Smart Card Using Lab View B. ATM System Design IV. SOFTWARE The process steps are as follows: • Insert card The soft ware’s used are: • Enter PIN 1. Lab view 2012 • Choose transaction option (Withdraw cash) 2. Code composer studio v5 • Select/Enter amount of cash to be withdrawn The Lab view is graphical programming which uses • Receipt? (yes/no) icons and tools to build a project. Here Lab view is • Card ejected from ATM used simulation software that is used on in laptop to • Take cash display the ATM screen. Code composer studio • Re-insert card programming is used to read card number from • Enter PIN MSP430G2553 microcontroller and the program is • Choose transaction option (Balance Enquiry) dumped in microcontroller. • Return card V. DESIGN AND IMPLEMENTATION

A. `Flow Chart The system remains idle first. When card is found we need to select the bank through which we want to transact. After selecting any of your banks we need to enter a pin which is same to all banks. at any one of the transaction to be done such as cash withdrawal, balance enquiry and mini statement. Last step is to stop the transactions.

Fig.1 Sequence Diagram of an ATM System

C. Limitation of the Existing System 1. Different atm cards to access different bank accounts. 2. Tedious to remember all pin codes of different banks. 3. Difficulty in maintenance of many atm cards.

III. HARDWARE

The hardware used is: 1. MSP430G2553 microcontroller 2. UART RS323 3. USB cable. Fig.2 The diagram shows the flowchart of design system. The MSP430G2553 microcontroller acts as a smart card. UART RS232 is used read the smart card B. Algorithm number from the card that is microcontroller. USB Step 1: System is idle. cable is used transferred the red card number on your Step 2: Insert the card. laptop screen. The laptop uses lab view programming Step 3: If card is accepted continue to further steps else to display ATM screen. Step 4: Enter the PIN

Proceedings of 12th IRF International Conference, 29th June-2014, Pune, India, ISBN: 978-93-84209-31-5 2 Multibank Account With Single Pin Access Smart Card Using Lab View Step5: If PIN matched continue to further steps else language we make use of VI’s (Virtual Instrument) to stop program. In the above diagram we have used VI’s like Step 6: Wait for a choice from following index array, match pattern and local variables. • Balance enquiry Similarly we can program for other tasks such as • Mini statement reading the card, to display user’s bank names and • Cash withdraw respective account numbers in which he has the Step 7: Select Cash withdrawal account, to display the balance, to perform cashdrawal Step 8: Enter amount. and to get the mini statement. Step 9: Dispense the cash. Balance enquiry VI. EXECUTION STEPS Step 10: Display the balance Mini statement The front panel of the Lab view acts as the interface Step 11: Display the details of the transactions. between user and system where the inputs and outputs Step 12: Stop. are seen. The connections are made as shown in the figure 2. After the setup is done we can execute and see C. Block Diagram the output. The microcontroller acts a smart card. The UART acts a ; it reads the card number from A. Before Execution microcontroller. The USB cable is used to transfer the card number to the laptop or display screen. The laptop uses the Lab view programming to display the ATM screen.

Fig.3 The diagram shows the practical design.

The practically proposed system includes MSP430G2553 microcontroller, laptop, UART, USB cable. Fig.5 Shows the screen before execution

D. Block Diagram in Lab View B. Execution Steps to display the balance

1) Reads the card number. 2) Press OK button 3) Displays the following information

Person name, Bank names and respective bank account number 4) Select the bank by which he wishes to do the transaction. 5) Enter the PIN 6) Press OK button

Fig.4 To display the person name. 7) If PIN matched then go to step 8 else go to step 5 to get the balance enquiry The above diagram shows an example to create block 8) Press Balance enquiry button diagram in lab view to display the person name. As we 9) Press know that lab view is graphical programming 10) Displays the respective balance

Proceedings of 12th IRF International Conference, 29th June-2014, Pune, India, ISBN: 978-93-84209-31-5 3 Multibank Account With Single Pin Access Smart Card Using Lab View later on change the PIN code and keep it single for all bank accounts. Here ATM access software is based on the Lab view programming language which will be running on a PC or Laptop which simulates areal ATM. User can use his ATM Debit card plugged into this computer using USB port and Input one PIN for all bank account. This system removes the drawbacks of existing system. In near future in system will come into existence.

FUTURE SCOPE

Fig.6 Final output showing the selected bank account’s balance. This system can be future improved for further comforts. The debit and credit can be built on same Similarly cash withdrawal, mini statement etc steps smart card. The proposed system can made still secure can be carried out. for transaction made in ATMs such as instead of pin as a secure code, we can have a retinal scan or finger CONCLUSION print can. And further we can use future technology that is palm vein technology for secure access or This system “MULTI BANK ACCOUNT WITH transactions. SINGLE PIN ACCESS SMART CARD USING LABVIEW”, allows us to access multi bank account REFERENCES using a single pin with a single smart card. [1] Gokul.R, Godwin Rose Samuel, Arul and Sankari.C, “Multi Account Embedded ATM Card, “ International Journal of It is proposed to use single chip Microcontroller with Scientific & Engineering Research, volume 4, issue 4, April built in embedded code to different bank account 2013 ISSN 2229-5518 numbers which each bank can create with their [2] Kevin Curran, David King, “Investigating the Human security code upon request by the user of the card. Computer Interaction Problems with Automated Teller Different banks can create and enter the individuals’ Machine (ATM) Navigation Menus” bank account numbers in the same card. Initially bank can give a unique PIN code in the beginning. User can

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Proceedings of 12th IRF International Conference, 29th June-2014, Pune, India, ISBN: 978-93-84209-31-5 4