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With the growing number of ATM frauds, banks and customers are faced with the concern of providing security to ATM transactions. This paper presents SMS encrypted message as a media to protect ATMs against frauds and crimes. The technology includes the use of the existing PIN to provide authentication of the ATM card to the card issuer host system and the use of SMS encrypted message to authenticate the user before any transaction can take place at the ATM machine. The use of SMS encrypted message to authenticate the users can improve ATM security against frauds and crimes

The use of SMS encrypted message to secure automatic teller machine