Transparent Peer Review By Scholar9

Blockchain-Based Intranet Banking Backup System for Emergency Cash Withdrawal During Network Outages

Abstract

Modern banking systems are heavily dependent on internet connectivity, making them vulnerable during network outages caused by cyberattacks, natural disasters, or warfare. This paper proposes a novel intranet-based backup system that enables customers to withdraw cash from their home branch ATMs during internet disruptions. The system utilizes local area network (LAN) infrastructure combined with blockchain technology to ensure secure, transparent, and tamper-proof transaction processing. Our proposed architecture implements a hybrid Byzantine Fault Tolerance (BFT) consensus algorithm to validate offline transactions and synchronize data once connectivity is restored. The system restricts withdrawals to predetermined limits at the customer's registered home branch, ensuring liquidity management and fraud prevention. Performance analysis demonstrates that the proposed system achieves 99.7% transaction success rate with an average processing time of 2.3 seconds while maintaining data integrity through cryptographic hashing. This research contributes to financial system resilience by providing a practical solution for maintaining critical banking services during emergency situations. Index Terms—Banking backup system, blockchain, Byzantine Fault Tolerance, disaster recovery, intranet, offline ATM, network resilience, emergency banking

Vishwasrao Salunkhe Reviewer

Review Request Accepted

Vishwasrao Salunkhe Reviewer
14 Nov 2025 05:37 PM

Approved Rating

Relevance and Originality

Methodology

Validity & Reliability

Clarity and Structure

Results and Analysis

Comment

Relevance & Originality:

The paper addresses an important and timely issue—the need for resilient banking operations during network disruptions. The idea of combining LAN-based ATM operations with blockchain-powered validation is interesting and relatively unexplored. The overall concept demonstrates novelty, especially the hybrid BFT model for offline transaction approval.

Methodology:

The system architecture is described clearly, but the methodology would benefit from deeper explanation. Key components such as the hybrid BFT algorithm, synchronization mechanism, and liquidity rules need more technical detailing. A formal system model and flow diagrams would strengthen the work.

Validity & Reliability:

The performance metrics (99.7% success rate and 2.3-second processing time) are promising, but the paper lacks clarity on test environment, sample size, and simulation conditions. Without this, it is difficult to assess the robustness of the findings. Additional validation scenarios—e.g., stress testing, failure cases, and comparison with existing fallback systems—would improve reliability.

Clarity & Structure:

The abstract is well-written and logically structured. However, the paper should clarify how blockchain operates in a fully offline LAN environment, and how consensus is ensured across distributed nodes without external connectivity. Including a brief workflow of transaction execution during outages would make the approach easier to understand.

Result Analysis:

The results are encouraging but need more detail on evaluation parameters. It would help to discuss the trade-offs such as cost, scalability, branch-wise implementation complexity, and potential latency introduced by BFT under intranet constraints.

Overall Evaluation:

The research presents a practical and innovative solution for maintaining critical banking services during emergencies. With additional technical depth, clearer experimental details, and expanded validation, the paper can make a strong contribution to financial system resilience research.

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