Everyone in many banks has many types of bank accounts, people need to bring a lot of ATM cards for their transaction, many types of PINs for each account.In the current syste m, ATM machine user identification systems depend only on bank ATM car ds, safety secret pin code, and also such kind of user ID verification methods which measures are not optimal and sometimes t here are incidents where we dismiss our secret security PIN code, lose ATM cards, rob ATM cards, stolen secret PIN code. Weare presenting a fresh concept or idea for the ATM machine user identification scheme, "Multi -banking Automatic Teller Machine Transaction System by Utilizing GSM and Biometric Identification wi th One Single Touch" to get control of the issues in the current ATM machine system. On the base of fingerprint identification method which is also one of most secure systems, unofficial accesses are blocked, as it makes fingerprint technique a unique reco gnition for every user. Our introduced system also assures a very secure GSM and OTP based transaction deals. The presented scheme has no hazard in managing many account transaction deals and performs high-level security, compared to the current ATM machin e scheme. Keywords: Security, ATM, PIN, multi -banking, biometric identification and GSM authentication 1. Introduction An ATM is an electronic machine which allows bank account customers to complete their transaction deals at any time without human b eing involvement. In an Automatic Teller Machine system users verify themselves by utilizing a plastic made card on which magnetic stripe is fixed known as an Automatic Teller Machine card. The magnetic stripe holds information associated to user. Occasion ally it occurs that the information on magnetic can be simply ruined by powerful magnetic waves. About Personal Identification Number, every account has unique PINs in traditional Automatic Teller Machine system sometimes we disremember PINs or losing PIN to someone other. So, the Automatic Teller Machine card have many numbers of disadvantages like smash the card, defeated the card, rob the card, defeated PIN, disremember PINs, etc. due to these problems there are highest probabilities of scams and frauds . Automatic Teller Machine supplies customers 24 x 7 services for doing easy transaction deals, but as the usage of Automatic Teller Machine growing in the matching ratio criminals’ attacks on the Automatic Teller Machine are also get larger daily [1]. All Automatic Teller Machine Customers always locating to remain their every transaction deal under the well secure observation in the case of financial affairs still sometime security growing many greatest problems, when think about the Automatic Teller Mac hine, the principle concern is also physical security which focuses on to make sure limitation of access, Identification and Validation [2]. As present Automatic Teller Machine in the market place also having many different drawbacks because of Automatic Teller Machine cards are also made up of the plastic card that have a magnetic strip is fixed for saving of a data similar to details of customers sometime it occurs magnetic strip turn neutral due to the powerful magnetic fields also have other disadvan tages as like disremember ours ATM PINs, lose ATM cards, may cards get stolen. Thief make use of unauthorized ATM card readers over authorized ATM card readers to obtain the PIN codes. And cybercriminals also make utilization of unauthorized devices to get the access into the customer bank accounts illegally. The standard method for banking transaction deal identification of customer which is based upon PIN is growing scanty these days [5]. The Biometric method is based upon customer's physical attribute that is lasting and unique for everyone. In [6, 11] this call for the biometric machines to be fixed in standard Automatic Teller Machine. In Biometric identification fingerprint system is turn into highly popular all over the world. In [7] the singularit y of fingerprint of every human being makes the fingerprint identification as the most secure. This stops the unauthorized entry to the bank account of a user. It works as a latch which unlock only if the key is correct i.e. approved fingerprint is found. Biometric identification has been given its correctness because the skin on our hands, feet display a stream positioning of hills on every point of the hand finger which is sole and lasting. 2. Systematic Literature Review A review, as a comparison case s tudy is shown in Table I. It understands the biometric techniques of growing security for transaction deals with Automatic Teller Machine and oth er systems. International Journal of Advanced Engineering and Technology 91 Table 1: Systematic literature review table International Journal of Advanced Engineering and Technology 92 Table 2 : Biometric devices differentiation [16] There are many methods for Biometric. They mainly include iris technology, face identification, voice identification, Fingerprints, palm technology, signature identification, etc. In our proposed system, we utilize fingerprints method because it gives high correctness, compares with other devices as less expensive. 3. Problem Statement Every human has many kinds of bank accounts in many kinds of banks, customers require to carry many ATM cards for transaction deals, there may be many PINs for eac h account. Occasionally it happens that we disremember ours PINs, lose our ATM cards, ATM cards may be got rob, rob PINs such outline are faced in our daily life, so to reduce these problems, “Multi -banking Automatic Teller Machine System Utilizing GSM and Biometric Identification with Single Touch” is presented. 4. Proposed System Plan a system which is modify the standard Automatic Teller Machine transaction system by fingerprint -based recognition method and GSM based identification transaction. For the aim of recognition, user fingerprint is needed for identification operation. Each one has unique fingerprint. Thus, due to person fingerprint is alter the traditional Automatic Teller Machine cards and PINs. After successful identification it provides all the bank account list of users and provides permit to execute transactions on the accounts. During the transaction operation a control move to the GSM system to complete an identification transaction from the bank side. This reduce the disadvantages of the existing ATM system with better security. Objective of presented system –  High level security -based transactions.  To give access to many accounts in a single touch.  Not required to keep multiple ATM cards and PINs.  Gives many facilities as like intra and interbank transaction deals. 5. Architecture The building design of the presented system shown in Figure: 1. the function of system began with reading the input from customer as a fingerprint of customer. This will be read by the fingerprint scanner. The input from customer will be confirmed from the information saved in the D.B and gets Verified. The architecture of presented system model is divided into three different operating sets, A) Working of Fingerprint system B) Function of web Services C) Worki ng of GSM system. The D.B are saved on cloud system. Web services provide access to all bank accounts of customers. Fig 1: Block Diagram of Presented System a. Working of Fingerprint System Fig 2: Fingerprint working Fingerprint scanner device reads the information through the optical (device) scanner sensor and identifies it with the enrolled information in the D.B on the cloud system. If identification is successful it gives a UID. Utilizing UID brings the detail data from bank D.B. In author [8] on cloud system we can securely hold critical information by the utilize of fingerprint this helps to utilize h ere cloud system. In author [2, 9, 10] many of the optical scanners utilized the Minutiae Algorithm because it gives high level accuracy. Fingerpri nt scanner device utilized for scanning is optical scanner. It mainly performs two works:  Determines whether the plan of new fingerprint reflection matches the earlier stored reflection.  Takes image of the fingerprint. One of the major parts which require to consider, standard International Journal of Advanced Engineering and Technology 93 of the finger reflection. Factors affected to the standard of reflection are  Sensor states: - Size, Noise, Dirtiness and customers co - operation.  Skin states: - Wetness, Dryness, Dirtiness, Permanent or Temporary Cuts, etc. Once the fi ngerprint is verified the system model requests web services for the bank account details of the customer. The information of all bank accounts of customers are shown for the further transaction deals. The following table shows the complete information of fingerprint Scanner devices [20] Table 3 : Fingerprint scanner devices b. Function of web Services system Web services system play essential part of fetching information between cloud system and bank D.B & sends it to the ATM machine that is utilized for establishing as an interface for the customers. c. Performance of GSM system The bank account information of customer is saved on cloud system in centralized way. The information of all bank accounts of bank account owner are shown. customer requires to choo se one of the desire bank accounts for the transaction deals. If customer wants to send the money or debit the money from bank account, he/she will get One Time Password on registered mobile phone number. The GSM system created One Time P assword for enforc e verify [13, 14] transaction from the desire bank side. This OTP requires to be entered for the transaction deal to be execute. Once the transaction is done system will return to home screen. 6. Mathematical model and condition transition diagram Fig 3: State Transition figure 6. Benefits  All bank accounts of customer are run in a single touch thus not require to hold many ATM cards and remember their PINs.  The proposed system is utilizing biometric rather of PINs for verification. Thus, the t ransaction deals become more secure.  It suspends the cheat calls allied to the Automatic Teller Machine card identification and other all. 7. Conclusion In the presented card -less multi -banking Transaction Automatic Teller Machine system, take place the s tandard ATM. It has benefits such as saves production expenses of ATM cards and reduces disadvantages of the standard ATM system like holding many ATM cards, losing of ATM card, disremembering PINs, memorized many ATM PINs, cheat International Journal of Advanced Engineering and Technology 94 calls linked to Automatic Teller Machine card, etc. and gives high level security by utilizing identification like as fingerprint and One Time Password system model; therefore making it simple to utilize many bank account transaction deals with single touch. 8.