Related papers: Aadhaar-Based Unified Payment Solution
The rise of smartphones has led to a significant increase in the usage of mobile payments. Mobile payments allow individuals to access financial resources and make transactions through their mobile devices while on the go. However, the…
In recent years, electronic retail payment mechanisms, especially e-commerce and card payments at the point of sale, have increasingly replaced cash in many developed countries. As a result, societies are losing a critical public retail…
The Accumulate Protocol ("Accumulate") is an identity-based, Delegated Proof of Stake (DPoS) blockchain designed to power the digital economy through interoperability with Layer-1 blockchains, integration with enterprise tech stacks, and…
Vulnerable individuals have a limited ability to make reasonable financial decisions and choices and, thus, the level of care that is appropriate to be provided to them by financial institutions may be different from that required for other…
In the age of respiratory illnesses like COVID 19, we understand the necessity for a robot based delivery system to ensure safe and contact free courier delivery. A blockchain based Dynamic IDentifier gives people total power over their…
Many proposals for the design and implementation of digital wallets assume that the purpose of the wallet is to enable offline payments via custodial accounts, ignoring the real problems faced by individuals and businesses that engage in…
The most prevalent smart card-based payment method, EMV, currently offers no privacy to its users. Transaction details and the card number are sent in cleartext, enabling the profiling and tracking of cardholders. Since public awareness of…
Wallet may be described as container application used for configuring, accessing and analysing data from underlying payment application(s). There are two dominant types of digital wallet applications, proximity wallet and remote wallet. In…
Biometric authentication is getting increasingly popular due to the convenience of using unique individual traits, such as fingerprints, palm veins, irises. Especially fingerprints are widely used nowadays due to the availability and low…
Previous Web access authentication systems often use either the Web or the Mobile channel individually to confirm the claimed identity of the remote user. This paper proposes a new protocol using multifactor authentication system that is…
Anonymous cloud architecture provides secure environment for business and also e-commerce approaches. By using this type of architecture, we can propose anonymous online applications. Customers who need secure and reliable online services…
Electronic cash (e-cash) is a digital alternative to physical currency that allows anonymous transactions between users and merchants. Typically, coins in an e-cash scheme are only dispensed through a central bank. A drawback of this…
Bitcoin is a digital currency and electronic payment system operating over a peer-to-peer network on the Internet. One of its most important properties is the high level of anonymity it provides for its users. The users are identified by…
E-payments are essential for transactional convenience in today's digital economy and are becoming increasingly important for older adults, emphasizing the need for enhanced security, privacy, and usability. To address this, we conducted a…
Quantum digital signature is used to authenticate the identity of the signer with information theoretical security, while providing non-forgery and non-repudiation services. In traditional multi-receiver quantum digital signature schemes…
Metaverse depicts a vista of constructing a virtual environment parallel to the real world so people can communicate with others and objects through digital entities. In the real world, communication relies on identities and addresses that…
This study presents a blockchain-based voting system aimed at enhancing election security, transparency, and integrity. Traditional voting methods face growing risks of tampering, making it crucial to explore innovative solutions. Our…
Network & internet security is the burning question of today's world and they are deeply related to each other for secure successful data transmission. Network security approach is totally based on the concept of network security services.…
Electronic Health Records (EHRs) and Medical Data are classified as personal data in every privacy law, meaning that any related service that includes processing such data must come with full security, confidentiality, privacy and…
Federated Identity Management has proven its worth by offering economic benefits and convenience to Service Providers and users alike. In such federations, the Identity Provider (IdP) is the solitary entity responsible for managing user…