Використання відеоканалу банкоматів для підвищення рівня кібербезпеки під час взаємодії з клієнтами

The rapid growth of automated banking and cardless financial transactions has increased the need for advanced user authentication mechanisms that can withstand fraud, social engineering, and biometric spoofing. Traditional authentication methods based solely on cards and PINs are increasingly vulnerable to theft, duress, and replay attacks. In this context, biometric technologies, including facial recognition combined with real-time behavioral analysis, represent a promising direction for enhancing transaction security. This study proposes an integrated method to improve user authentication in automated financial terminals by utilizing the device’s video feed. The approach focuses on continuous identity verification and action monitoring during user interaction, supported by a formally modeled interaction protocol between the terminal and the decision-making system. The proposed method integrates videobased biometric identification, activity detection, and behavioral analysis into a single authentication workflow. A protocol model was developed that defines secure data exchange, time constraints, and decision logic between the user, the terminal, and the server component. The model supports adaptive decision outcomes, including approval, re-verification, or rejection, based on trust levels derived from biometric and behavioral features. The use of edge computing principles reduces latency and network load by transmitting compact feature vectors instead of raw video streams. The approach also includes degradation modes for network failures, anomaly detection mechanisms, and compliance-oriented data minimization strategies. A comparative analysis with existing global practices demonstrates that the proposed solution is in line with current trends in multifactor authentication, extending them through protocol formalization and real-time video analytics. The results show that integrated video-based authentication can significantly improve the security and resilience of financial terminals without compromising usability or accessibility. The proposed interoperability protocol enables scalable deployment, supports regulatory compliance, and provides the flexibility to adapt authentication levels to risk conditions. This method is applicable not only to ATMs but also to self-service kiosks, remote banking terminals, and mobile financial infrastructures, offering a robust foundation for next-generation secure financial transaction systems.