In today's continuously changing world of technology, the upgradation of gadgets and systems is an in-parallel activity with these changes. In this series of technological updates, the availability of ATM as a part of Online banking activity support is not novice, but in use since a decade back. Since most of the technological advancements have two facets, ATM too provides convenience but on the other hand increases the security risk. The objective of the paper is to depict the Framework Design of the SMILE for FOBIA including Safe Mode Alarm Reporting Technique (SMART) and GPS Enabled Tracking (GET) for coerced cash withdrawal in ATM. The system is modelled using PROMELA (Process Meta Language), simulated and tested through jSpin model verifier tool