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Payment 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.

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Cloud computing models stores data and computing resources in virtual servers located in large data centres' and are managed using a centralized architecture. Distributed cloud uses resources provided by users who are geographically distributed over a large area. Distributed cloud is completely decentralised and resources are provided in a P2P fashion. This model of distributed cloud is based on mutual benefit for users and is free of cost. Distributed cloud provides all the services provided by regular cloud computing models. Since the resources are provided by regular users, security and privacy for data, storage and computing resources are main concerns. In this paper we propose a privacy preserving storage and file sharing mechanism among different users in a distributed cloud. This mechanism involves processing, storing and retrieval of encrypted data in a secure and privacy preserving manner.