Mobile payments in global markets using biometrics and cloud

Abstract

SummaryPayment methods using mobile devices instead of using traditional methods (cash, credit card, etc) has been gaining popularity all over the world. The ubiquitous nature of smartphones and tablets has widened the ambit for using these devices for payments and other daily life activities. Recent advancements in mobile technology along with the convenience of mobile devices made these applications possible. Despite the worldwide user adoption of mobile applications, security is the key challenge in mobile banking and payments system. Mobile payments systems need to be very efficient and provide utmost security endlessly. State‐of‐the‐art mobile payment systems need the physical presence of a merchant agent to make a payment. In this article, we had described in detail about the design and implementation of a mobile payments application, used to make in‐store purchases and make secure payments without any physical presence of a cashier or a merchant agent. We proposed a novel privacy‐preserving and secure authentication algorithm to make mobile payments using biometrics. The analysis and experimental results show the reliability and efficiency of our proposed solution.