In this paper, we present a hybrid cloud architecture which combines public cloud, private\ncloud computing and cryptography to minimize the bank�s operational costs, maximizing the\nflexibility, scalability, availability and reliability of the services provided by the bank and\nguarantees the privacy, confidentiality and safety of the client�s record. A smart card which\ncontains a secret key is produced for each client upon creating a new account. A smart card\nwhich contains a pair of public/private keys is produced for each bank. A smart card which\ncontains a secret key is produced for the auditor to decrypt the database of the banks�\npublic/private keys for auditing purposes. The secret key is used to encrypt and decrypt the\nclient�s account data The bank uses its public key to double encrypt the client�s data that are\ntemporarily stored in the bank�s private cloud before being transmitted to be stored\npermanently in the public cloud. In order to perform any transaction on a client�s account, the\nclient�s record must be retrieved from the public cloud and stored temporarily in the bank�s\nprivate cloud in order to be decrypted with the bank�s private key and then decrypted using the\nclient�s secret key in order to perform the required transaction in the private cloud.
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