THE DEVELOPMENT OF A UNIFIED, INTELLIGENT AND SECURE ATM CARD TO MANAGE MULTIPLE BANK ACCOUNTS.

Abstract: The rapid expansion of digital banking has increased the number of customers maintaining multiple bank accounts, resulting in inconvenience and security challenges associated with carrying numerous ATM cards and remembering multiple PINs. This research proposes the development of a unified, intelligent, and secure ATM card capable of managing multiple bank accounts through a single authentication framework. Using RFID, fingerprint biometrics, Arduino-based embedded systems, and GSM-enabled OTP verification, the proposed solution enhances both convenience and security. This paper discusses the architecture, methodology, hardware integration, and performance assessment of the system that consolidates multiple bank accounts into one secure card.

Keywords: RFID, Biometrics, ATM Security, Multi-Account ATM Card, Embedded Systems, Arduino, OTP Verification.