Authors S Waheeda BegumDepartment of Computer Science Engineering (Cyber Security), GATES Institute of Technology, Gooty, Andhra Pradesh, IndiaShaik NaziaDepartment of Computer Science Engineering (Cyber Security), GATES Institute of Technology, Gooty, Andhra Pradesh, IndiaM Pavan KumarDepartment of Computer Science Engineering (Cyber Security), GATES Institute of Technology, Gooty, Andhra Pradesh, IndiaG Mohammad AzmalDepartment of Computer Science Engineering (Cyber Security), GATES Institute of Technology, Gooty, Andhra Pradesh, IndiaE Siva GaneshDepartment of Computer Science Engineering (Cyber Security), GATES Institute of Technology, Gooty, Andhra Pradesh, IndiaR MuraliDepartment of Computer Science Engineering (Cyber Security), GATES Institute of Technology, Gooty, Andhra Pradesh, India Abstract Banks provide ATM cards for services such as cash withdrawal, balance inquiry, and fund transfer. However, physical cards can be stolen, cloned, skimmed, or damaged. To address these issues, we propose a cardless ATM transaction system using OTP and face recognition. The system supports new user registration with name, account number, and mobile number, and existing user login. Transactions are secured through OTP verification and face recognition, and only proceed if the live face matches the stored encoding. Users can also view transaction history. This approach enhances security and convenience, reducing risks associated with card-based transactions. Keywords Automated Teller Machine OneTime Password (OTP) Cardless Transaction Face Recognition Secure Banking Citation of this Article . Licence Copyright (c) 2026 International Current Journal of Engineering and Science. This work is licensed under a Creative Commons Attribution Non Commercial 4.0 International Licence. References .
