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@article{180666,
        author = {Prof. Shah Saloni Niranjan and Prof. S. B. Nazirkar and Aditi Tantak and Komal Halnor and Shraddha Gadekar},
        title = {A Secure and Flexible Blockchain Based Decentralized Transaction Online Payment Protocol},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {1},
        pages = {1729-1732},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=180666},
        abstract = {This paper proposes a secure and flexible 
blockchain-based decentralized online payment protocol 
designed to enable fast, transparent, and low-cost 
transactions while maintaining user privacy and 
scalability. The protocol leverages a hybrid blockchain 
model combining public and private chains to enhance 
decentralization and transaction speed. It utilizes smart 
contracts for automated payments, tokenization for 
multicurrency support, and off-chain payment channels 
for scalability. Key security features include multi
signature wallets, encryption, and privacy protocols like 
zero-knowledge proofs. The solution supports seamless 
integration with existing payment gateways and cross
chain interoperability, offering a scalable, secure, and 
userfriendly system for decentralized online payments.},
        keywords = {Blockchain, Transaction, Security system,  Privacy, Verification system, Banking Security, Online  Payments, Bitcoin, Smart contract, Protocol.},
        month = {June},
        }