ABSRACT: payment technologies create both opportunities and


In the present system, only cash or card or online based
payment is implemented so far, there is no peer to peer card based payment is available.
In the proposed, Peer to peer to cashless transaction is implemented. Both
transmitter & receiver should be in peer to peer communication. Finger
print of the receiver should be verified and a token is generated to the
transmitter part. Only after successful transaction, amount is transferred to
the receiver. we are implementing four different system using aadhar number
namely, 1) cashless transaction, 2) ticket booking, 3) user behaviour analysis,
4) Qr code based money withdrawal. we deploy Aadhar card based payment system. Here
Finger print module is connected and verified from the sender part. so that
user can transfer money, do booking systems, pay penalties and all the
activities are processed by the Aadhar card only. We are implementing Qr code
to withdrawal money from ATM. We can analyse user behaviour using aadhar card.
So that complete transactions are processed, through Aadhar card.



in the payment technologies has an important impact on one’s quality of life. Emerging
payment technologies create both opportunities and challenges for the future.
Being a quick and convenient process, contactless payment gained momentum,
especially with merchants, with throughput being the main parameter. However,
it poses risks to issuers, as no robust customer verification method is
available.1Thus, efforts have been underway to evolve and sustain a
well-organized, efficient, reliable, and secure unified payment system, which
may contribute to the smooth functioning of the market by eliminating obstacles
in business. This article presents an approach and module by which one card can
communicate with another using near-field communication (NFC) technology to
digitally transfer money from the payer’s bank to the payee’s bank.2 This model
will help for no need for physical cash and also serves all types of
payment  and identity needs. Embodiments
of this approach furnish a medium for cashless card-to-card transactions. The
module, which is called Swing-Pay, communicates with a bank via global systems
for mobile communication (GSM).1 The security of this module is intensified
using biometric authentication. We also present an app on the Android platform,
which works as a scanner of the proposed module to read the identity details of
the card owner. A prototype of a digital card is also detailed. This card can
also be used as a virtual identity (ID) card, accumulating the information of
all ID cards, including an electronic passport, voter ID, and driver’s  license.1.we will draw money from ATM
machine using the matrix bar code (Qr code) in this development we will use the
finger print sensor to avoid the security breach and we will have facility of
using the in as permanent pin and temporary pin. Temporary pin provides only
one time using facility. 3 E-commerce (or electronic commerce) is among the most popular services
that emerged as a result of the propagation of the Internet all over the world. The
recent advancements in technology for designing mobile devices coupled with the
rising Internet speed as well as mobile technology have made it possible for
users to utilise those devices at any location and time for performing
electronic commerce transactions 3 Advancement in payment technologies have an important impact
on the quality of life.  The emerging
payment technologies create both opportunities and challenges for future4
health technology provider MC10 and product solutions provider PCH are to commercialise
MC10’s wearable interactive stamp platform an ultra-thin, stretchable and disposable stamp worn on
the skin that will enable brands to develop a “variety of consumer application
worn on the skins” including NFC payments5.continuous improvements in technology and quality of
life have had a strong impact on the development of payment techniques.12
With the evolution of near-field communication (NFC) technology, contactless
payment has received recent attention because of its short range. 6 We use
RFID as the


Disadvantages of the existing system:

transaction is not tracked.

activity is not monitored.




Advantages of the proposed system:

will be monitored by aadhar number

transaction of money will be monitored

penalty details and other money transaction will be monitored.

4)No Need
to maintain all debit card physically instead of we use QR code system in ATM.




Rivest-Shamir-Adleman (RSA) algorithm is one of the most popular and secure
public-key encryption methods. The algorithm capitalizes on the fact that there
is no efficient way to factor very large (100-200 digit) numbers.




we are implementing four different system using aadhar
number namely, 1) cashless transaction, 2) billing system, 3) user behavior
analysis, 4) Qr code based money withdrawal. we deploy Aadhar card based
payment system. Here Finger print module is connected and verified from the
sender part. User can transfer money, do booking systems, pay penalties and all
the activities are processed by the Aadhar card only. We are implementing Qr
code to withdrawal money from ATM. We can analyze user behavior using aadhar
card. So that complete transactions are processed, through Aadhar card. In this
project in cashless transaction we are going to develop an android application 6so
that the money can be transferred through the android application in this
application to transfer the money first we will register the application with
the aadhar details and will sign up to the application to transfer the money
from payer’s bank to payees bank we will enter the aadhar number of payees in
the payer’s application then will enter the transaction amount in the money
column. 11Later will verify our finger print using the sensor and the one
time password then a request will be sent to the receiver from the money
transmitter to check whether the receiver is in online. The receiver will enter
the onetime password and sends the information to the server that the receiver
is also in the online and transfer the money to the payees account. In this
method this transaction will be occurred only when the both the users will be
there in the online else the transaction will not be occurred. And will display
as error in the transaction.

Another part of this project is about the Qr code
based money withdrawal from ATM. The user will scan the aadhar card Qr code to
the ATM machine camera then the machine will ask with finger print or without
finger print when the user selects with finger print then the user will scan
the finger in ATM machine then the machine will connect to the server and
compares the finger print which is already stored in the server while
registering and provides access to the account then it will show the entire
banks that were linked to the aadhar card then the user will select the bank in
which he would like to perform the transaction, then will enter the amount
required and the transaction will be processed. And will collect the money. If
the user selects with out finger print then the user will have two options like
using the permanent pin or using the temporary pin as one-time pin. If the user
enters the permanent pin then the user can perform the transaction as usual as
the transaction that was done in the using finger print. But the difference is
about only finger print and pin. If the user uses the temporary pin   then
he can use this temporary pin to share with friends to perform the transaction
so that the otp and Qr code will be generated randomly and perform transaction.
In this process the user cannot see all the banks that are linked in the aadhar
card he can see the bank only that the owner wishes to perform the transaction.
15 The entire data will be processed in the server and keeps the records of entire
transactions done by the user.

In another model of this project we will use 8 chip
less RFID card to store the entire details of aadhar card then we will use this
card to scan with RFID scanner and pay the bill. When we should pay the penalty
to the police then he will scan RFID and takes the finger print and enters
money in the device then the device connects the bank servers and then the
money will be deducted from the bank account14t. It helps to buy online
booking of movie tickets by entering the aadhar number in the payment gateway
and will be accessed by finger print and the otp received to the registered
mobile RFID13 is the chip which will be to store the data in the chip. The Qr
code will be easily crack able to avoid the hacking we are using the RSA
algorithm which will help to avoid cracking the QR code.












In this module, we are registering aadhar number in
NFC card for authentication. Because today aadhar card is important for all
place to know their identification. So, we use this aadhar number for booking
system. Both sender and receiver have to register their aadhar number in their
application.should register your aadhar with finger print. The Qr code had the
entire details of the user.


Biometric verification means by which a person can be
uniquely identified by evaluating one or more distinguishing biological traits.
A record of a person’s unique characteristic is captured and kept in database.
Later on, when identification verification is required, a new record is
captured and compared with the previous record in the database. If the data in
the new record matches that in the database record, the person’s identity is


The Server will monitor the entire User’s information
in their database and verify them if required. Also, the Server will store the
entire User’s information in their database. Also, the Server has to establish
the connection to communicate with the Users. The Server will update each
User’s activities in its database. The Server will authenticate each user
before they access the Application. So that the Server will prevent the
Unauthorized User from accessing the Application.


In this module user can book their ticket using mobile
application. We are implementing this booking system in all sector like train,
bus, airlines etc., wherever we are booking ticket this system will implement.
In our project we are using this system for movie ticket.



In this module, user will transfer their money to
receiver. Before transfer money sender have to put finger print for
authentication. From his account
money will be deducted and SMS notification will be send to the sender.


Finally receiver can receive
money from sender by giving his NFC authentication.7 By this way receiver
will know senders money transfer details wherever he transfer money. If sender
pay any penalty before those details will also shown to receiver.


People don’t want to carry
their all debit cards with self. Instead of all debit cards they have been used
Aadhar QR code. When I want to withdraw money from ATM, show the QR code in
ATM, it give two option with fingerprint another one is without fingerprint.
The aadhar holder can use with fingerprint option and withdraw money from their
bank account. Without fingerprint option for friends user. The aadhar holder
can share their QR code with their friends also. Here they don’t want to share
permanent PIN to their friends. They can give temporary PIN and temporary QR
for each transaction.

Data flow



Conclusion and future work:

Thus, by this
project we can draw the money from the ATM without the ATM cards of banks we
will use single card as aadhar Qr code.and will perform cashless transactions
through the android applications. Thus, using NFC, we are transferring money to other people.
We also view details about a person who transfer the money. For every transaction,
their details will be shown on screen.



1 Shirsha
Ghosh, Joyeeta Goswami, Alak Majumder, Abhishek Kumar, Saraju P. Mohanty, and
Bidyut K. Bhattacharyya IEEE Consumer electronics magazine   january 2017. Through the digital payment
process was operational from 1960s, 2 N. Asokan, “Fairness in electronic commerce,”
Ph.D. dissertation, Dept. Computer Science, University of Waterloo, Ontario,
Canada, 1998.

Money Transfer Using as Traditional Magstripe Cards Access Control Ticketing
Virtualization of ID Cards POS Payments

Burhan Ul Islam Khan Department
of ECE Kulliyyah of Engineering IIUM, Malaysia, Rashidah F. Olanrewaju
Department of ECE Kulliyyah of Engineering IIUM, Malaysia on A Compendious
Study of Online Payment Systems: Past Developments, Present Impact, and Future

Shirsha Ghosh,
Joyeeta Goswami, Alak Majumder, Abhishek Kumar, Saraju P. Mohanty, and Bidyut
K. Bhattacharyya

 5 R. Boden. (2016). Wearable smart stamp to
support NFC payments. smart-stamp-support-nfc-payment

6 C. P. Beshouri and J. Gravråk, “Capturing the promise of mobile
banking in emerging markets,” McKinsey & Comp., New York, NY, Apr. 2010.

7 Bo Meng
College of Computer Science and Technology Wuhan University of Technology Wuhan
430063 P. R. China [email protected] et.cn, Qianxing
Xiong College of Computer Science and Technology Wuhan University of Technology
Wuhan 430063 P. R. China [email protected] in
8th International Conference done Research on electronic payment model

A Chip less RFID Based on
Multiresonant High-Impedance Surfaces done by Filippo Costa, Member, IEEE,
Simone Genovesi, Member, IEEE and Agostino Monorchio, Fellow, IEEE in January

Dr. Sumanjeet Assistant
Professor Department of Commerce Ramjas College University,Delhi,NorthCampus,Delhi-7,INDIA.

E-Mail: [email protected]

Cynthia Merritt, Retail
Payments Risk Forum White Paper Federal Reserve Bank of Atlanta August 2010 on Mobile
Money Transfer Services: The Next Phase in the Evolution in Person-to-Person

Compass Plus Cumberland House
35 Park Row Nottingham, UK NG1 6EE Tel: +44 (0) 115 988 6047 on mobile banking

Chris Beshouri, Christopher P. Beshouri and Jon Gravrak,
in February 2010,McKinsey journal

Marvin Barahona, Diego
Betancourt, and Frank Ellinger Chair for Circuit Design and Network Theory
Technische Universität Dresden Dresden, Germany in IEEE on January 2014 on Decoding
of Multiple Same-coded In-line Placed Chipless RFID Tags

E.perret,Member,IEEE,and s.tedjini,senior,Member IEEE, Grenoble-inp/LCIS,
valance ,France on A compact chipless RFID tag using polarization diversity for
encoding and sensing.

Arnaud Vena, Member, IEEE,
Abdul Ali Babar, Student Member, IEEE, Lauri Sydänheimo, Member, IEEE, M. M.
Tentzeris, Fellow, IEEE, and Leena Ukkonen, Member, IEEE in December 2013. On A
Novel Near-Transparent ASK-Recon?gurable Inkjet-Printed Chipless RFID Tag.