Most ATMs use the PIN as a single form of authentication (single factor authentication). These ATMs are subject to ATM scams such as Card Skimming, in which a device placed in the ATM card slot takes all of the information stored in the card, including the PINs, and then replicas of the original cards are created, and money is stolen from the accounts involved. This paper describes the design of ATM software that uses a two-factor authentication method that includes a PIN and a One-Time Password (OTP) that is sent to the client’s phone via SMS. The ATM will start this process as soon as the user inserts his ATM card and the system approves it. A fraudster who has access to someone’s ATM card and PIN will still be unable to access their bank account if he does not have access to the SMS carrying the One Time Password if this technique is used. The approach used in this project was Object Oriented Analysis and Design (OOAD), which included the usage of the Unified Modelling Language (UML). C#, an oriented programming language, was utilized to implement the system utilizing the OOAD technique. At the conclusion of this project, a prototype of ATM software with two-factor authentication was created. Finally, the system’s performance during testing demonstrates that the goal of providing additional security through two-factor authentication was met to a great extent.

Background to the Study
The ATM’s Brief History
In retail banking, the concept of self-service has gone through several stages. These stages include cash machines developed in the early 1960s by engineers in the United Kingdom, Sweden, and Japan working independently and simultaneously. The Barclays Bank installed the first commercial cash machine in the United Kingdom on June 27, 1967. The automated (automatic) teller machine was born as a result of these and other advances (which were championed by efforts in Asia, Europe, and America) (ATM). The first contemporary ATM, created by IBM for Lloyd Banks, was installed in December 1972. The IBM 2984, also known as the CIT: Cash Issuing Terminal, was the name of the machine. The CIT was the first actual cash point, and it looks a lot like what we have now [1].
The ATM is a networked computer terminal that allows Bank clients to do financial transactions from a public location without having to go to a bank branch.

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