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1

 A 

Seminar Report

ON 

“Money Pad the Future Wallet”

   Submitted in partial fulfillment of the requirements for the award of the

degree of 

Bachelor of Technology

In

INFORMTION T!"#NO$O%&'()*) +()**,

By

-epartment of Information Technology

BALDEV RAM MIRDHA INSTITUTE OF TECHNOLOGY(EAST CAMPUS)

JAIPUR 

S.BMITT!- TO/ + S.BMITT!- B&/+

MANOHAR PRAJAPATI Komal Sharma

(SEMINAR CORDINATOR) E08IT030

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BALDEV RAM MIRDHA INSTITUTE OF TECHNOLOGY

JAIPUR 

Department ! In!rmat"n Te#$n%&'

CERTIFICATECERTIFICATE

This is to certify that the Seminar titled

“Money Pad the Future Wallet”

is a bonade work carried out by following nalyear student

 

Komal Sharma

Un!r o"r #"$an%! &o'ar &h! ar&$al a%%oml$hm!n& *or &h! a'ar

o* &h! !#r!! o* Bachelor of !ngineering 'Information Technology,

 +, RAJASTHAN TECHNICA- UNI.ERSIT/ "r$n# &h! a%a!m$%

/!ar o* 2011 2012 o* r!"$r! &anar.

S!MINR "OR-INTOR #!- OF -!PRTM!NT

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3

 

0Mr1 Manohar Pra2apati3 0M41 5untal %aur3

"5NOW$!-%!M!NT

A%h$!$n# a m$l!&on! *or an, !ron alon! $ !4&r!m!l, $**$%"l&5 Ho'!!r &h!r! ar! om!

mo&$a&or 'ho %om! a%ro &h! %"ra%!o" a&h l$6! &'$n6l$n# &ar $n &h! 6, an ma6! o"r 

&a6 m"%h !a$!r5 I& +!%om! o"r h"m+l! an *or!mo& "&, &o a%6no'l!#! all o* &h!m5

  M, !&h$%al a%%o"n&a+$l$&, $ &o +! !4&r!m!l, $n!+&! &o M41 5untal %uar (HOD7IT)

*or h$ !4%!ll!n& #"$an%!5 I am h$#hl, o+l$#! an &han6*"l &o m, !m$nar #"$! Mr1Manohar Pra2apati 'ho ro$! $mm!n! "or& a an'!r &o m, !4&r!m! "!r$! &ha& $

6!& *$r$n# a& &h!m "r$n# &h! r!ara&$on o* &h! !m$nar5 I 'o"l alo l$6! &o &han6 Mr1 'ny

other faculty, 'ho! "or& an %oo!ra&$on h!l! $n %on"%&$n# &h! &", moo&hl,5

  I o'! m, $n%!r! &han6 &o Pr$n%$al Mr1 B1 Srini6a4an (MIT Ea& %am") 'ho

 ro$! m! r!"$r! #"$an%! an *a%$l$&,5

  -a& +"& no& l!a& '! a, o"r $n%!r! &han6 an #ra&$&"! &o all &h! &a** m!m+!r o* 

al! Ram M$rha In&$&"&! o* T!%hnolo#, &o ro$! !4%!ll!n& oor&"n$&, an

!n$ronm!n& &hro"#ho"& m, r!ara&$on o* &h! !m$nar5 I am alo &han6*"l &o all o"r 

%oll!a#"! an &a** m!m+!r *or &h!$r %o7o!ra&$on an "or&5

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9

 PREFACE 

S!m$nar Pr!!n&a&$on *orm an $n&!#ral %omon!n& o* an, ro*!$onal %o"r!5 Th! $n&$&"&!

'h!r! '! "r"! o"r &"$! %anno& ro$! &ha& ra%&$%al 6no'l!#! on all a!%& o* 

l!arn$n#5 O*&!n &h! &", o* a "+:!%& $ a$ &o +! $n%oml!&! "n&$l &h! &"!n& ha +!!n

!4o! &o $& ra%&$%al a!%&5 Th! &h!or!&$%al &"$! ro$! &h! ool o* 6no'l!#!

'h!r!a &h! ra%&$%al al$%a&$on ma6! a#$l! an %om!&!n&5

A &h! $mor&an& ar& o* &h! !n#$n!!r$n# %"rr$%"l"m !a%h &"!n& ha &o "n!r#o

&hro"#h &h! S!m$nar Pr!!n&a&$on5 Th$ 5T!%h5 %o"r! S!m$nar h!l a &"!n& $n #!&&$n#

a%"a$n&! '$&h &h! mann!r $n 'h$%h h$;h!r 6no'l!#! $ +!$n# ra%&$%all, normall,

$**!r!n& *rom 'ha& h!;h! ha l!arn& *rom +oo65 H!n%! 'h!n &h! &"!n& '$&%h! *rom &h!

 ro%! o* l!arn$n# &o &ha& o* $ml!m!n&$n# h$;h!r 6no'l!#! h!;h! *$n an a+r"& %han#!5

Th$ $ !4a%&l, 'h, &h$ !m$nar !$on "r$n# &h! 5E %"rr$%"l"m +!%om! all &h! mor!$mor&an&5

 S!m$nar r!!n&a&$on $ r!%r$+! *or &h! &"!n& o* T!%hn$%al Coll!#! a a ar& o* 

&h! *o"r ,!ar !#r!! %o"r! o* !n#$n!!r$n# +, &h! AICTE5 <! ar! r!"$r! &o #$! &h!

 r!!n&a&$on on an, o* &h! %"rr!n& &o$% or &!%hnolo#,5

A an !n#$n!!r$n# &"!n& I ha oor&"n$&, &o &", an r!!n& &h! !m$nar on =Mon!, Pa

&h! >"&"r! <all!&? &o$%5

Komal Sharma

  (E08IT030)

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@

Ta7le of "ontent4

*1 74tract5B

(1 Introduction5 

81 5ey9ord4510:1 Form4 of Money513

;1 !+Wallet551@

<1 Technical -etail4 of Paper51

=1 Operation of Money Pad2

>1 Why .4e Money Pad5528

?1 Tran4action u4ing Money Pad5552

*)1Technical Implementation530

**1 Field4 of pplication5531

*(1 Future Scope5532*81 "onclu4ion5533

*:1 Reference39

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B

  *1 74tract

 

Mon!, $n &h! 21& %!n&"r, '$ll "r!l, ro! &o +! a $**!r!n& *rom &h! mon!, o* &h! %"rr!n&

%!n&"r, a o"r mon!, $ *rom &ha& o* &h! r!$o" %!n&"r,5 J"& a *$a& mon!, r!la%! !%$!7

 +a%6! a!r %"rr!n%$! !l!%&ron$%all, $n$&$a&! !+$& an %r!$& '$ll +!%om! &h! om$nan&

 a,m!n& mo! %r!a&$n# &h! o&!n&$al *or r$a&! mon!, &o %om!&! '$&h #o!rnm!n&7$"!

%"rr!n%$!5

J"& a !!r,&h$n# $ #!&&$n# "n!r &h! hao' o* =!? &oa, '! ha! a!r %"rr!n%, +!$n#

r!la%! +, !l!%&ron$% mon!, or !7%ah5 Harl, a a, #o! +, '$&ho"& om! m!n&$on $n &h!

*$nan%$al r! o* n!' !!lom!n& $n !l!%&ron$% mon!,5 In &h! !m!r#$n# *$!l o* 

!l!%&ron$% %omm!r%! no!l +"FF'or l$6! mar&%ar onl$n! +an6$n# $#$&al %ah an

!l!%&ron$% %h!%6 ar! +!$n# "! &o $%" mon!,5 "& ho' ar! &h!! +ran7n!' *orm o* 

 a,m!n& !%"r!G An mo& $mor&an&l, 'h$%h o* &h!! !m!r#$n# !%"r! !l!%&ron$% mon!,&!%hnolo#$! '$ll "r$! $n&o &h! n!4& %!n&"r,G

Th!! ar! om! o* &h! &o"#h "!&$on &o an'!r +"& h!r! a ol"&$on 'h$%h ro$! a *orm

o* !%"r$&, &o &h!! mo! o* %"rr!n%, !4%han#! "$n# &h! =$om!&r$% T!%hnolo#,?5 Th!

Mon!, Pa $n&ro"%! h!r! "! &h! +$om!&r$% &!%hnolo#, *or >$n#!r Pr$n& r!%o#n$&$on5

Mon!, Pa $ a *orm o* %r!$& %ar or mar&%ar 'h$%h '! nam! o5 E!r, &$m! &h! "!r 

'an& &o a%%! &h! Mon!, Pa h! ha &o ma6! an $mr!$on o* h$ *$n#!r 'h$%h '$ll +!

%ann! an ma&%h! '$&h &h! on! $n &h! har $6 o* a&a +a! !r!r5 I* &h! *$n#!r r$n&

ma&%h! '$&h &h! "!r h! '$ll +! allo'! &o a%%! an "! &h! Pa o&h!r'$! &h! Mon!,

Pa $ no& a%%!$+l!5

Th" ro$$n# a *orm o* !%"r$&, &o &h! !!r7la&$n# &rana%&$on %"rr!n%, o* &h! *"&"r! =!7

%ah?5

 

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  (1 Introduction

 

Th! 21& %!n&"r, '$ll no& +! %ahl! a man, no' r!$%&5 Ho'!!r

$& o! !!m %l!ar &ha& &h! %"rr!n%, o* &h! 21& %!n&"r, '$ll +! a!rl!5 Pa!r %"rr!n%,

an %h!%6 ar! #ra"all, +!$n# "+&$&"&! +, mar&%ar $#$&al %ah an $n&an& &ran*!r o* 

*"n5 Th! lar#! a!r +"r!a"%ra%, o* +an6 $ "$%6l, +!%om$n# r!"nan& +"r!nom!

an !!n o"& o* a&!5

 Th! !ol"&$on $n $#$&al mon!, $ ha!n$n# o *a& &ha& +an6 %anno& ao& "$%6l, !no"#h

an '$ll !!n&"all, %olla! l$6! &o7h!a, #$an& +lo'n o!r +, &h! '$n o* *$nan%$al

%han#!5 Ma,+! or ma, no& +! +"& on! &r!n $ alr!a, %l!ar5

Th! 'all!& o* &h! *"&"r! '$ll hol l! a!r %ah %o$n an ma#n!&$% &r$! %ar5 I& '$ll hol

$n&!a Mon!, Pa %on&a$n$n# $#$&al %ah an o&h!r *$nan%$al $n*orma&$on "a&!  

 !rha a"&oma&$%all, +, a PDA '$&h a a&!ll$&! %omm"n$%a&$on l$n65

A &h! n!' &!%hnolo#$! !!lo $n&o n!' 'a, o* ma6$n# a,m!n& on! %on%!rn na&"rall,

ar$!5 <$ll &h$ &!%hnolo#, ro&!%& !a%h $n$$"al r$#h& &o r$a%, 'h$l! ro$$n# &h!

o"n mon!, n!!! *or &h! !%onom$% h!al&h o* %omm"n$&$!G Th! an'!r $ $ml! $&

!!n on ho' &h! n!' &!%hnolo#, $ "!5 Th!r! $ no&h$n# $nh!r!n& $n &h! &!%hnolo#, &ha&

ma6! $& l! ro&!%&$! o* r$a%, an $n$$"al r$#h&5 Aan%!m!n& l$6!

$om!&r$% T!%hnolo#, ha ma! $n$$"al r$a%, !!n mor! !%"r!5

A !!lom!n& $n !l!%&ron$% mon!, #a&h!r a%! ro&!%&$on o* $n$$"al r$#h& m"& +!

6!& $n *o%"5 !%a"! &h! r!%or o* mo& #o!rnm!n& o *ar $n &h!! !arl, &a#! o* 

!l!%&ron$% %omm!r%! ha +!!n !!n +, man, &o +! %on*ron&a&$onal an no& ro&!%&$! o* 

$n$$"al r$#h& $& $ l$6!l, &ha& &h! r!!ra&$on o* &h!! r$#h& $ on! r!aon &ha& r$a&!

%"rr!n%$! ar! l$6!l, &o !m!r#! on &h! In&!rn!& an &o !!n&"all, la, an $mor&an& rol! $n

#lo+al %omm!r%!5

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In or!r &o ro&!%& &h! r$#h& an ro!r&$! o* !a%h $n$$"al '! &ho"#h& o* ro$$n# a

!%"r$&, ,&!m 'h$%h !!r, h"man +!$n# %an "n!r&an an *!!l *r!! &o "!5

H"man +!$n# *!!l !%"r! 'h!n &h!, ha! &h!$r o'n !%"r$&, arran#!m!n& &o ro&!%& &h!$r 

r$#h& an a '!ll a '!al&h5 K!!$n# &h$ o$n& o* $!' $n m$n &h! $om!&r$% T!%hnolo#, $

"! &o !!lo an !7%ah hanl$n# ,&!m 'h$%h $ $m$lar &o '!ll 6no'n %r!$& %ar an

mar&%ar5

Th! !7%ah hanl$n# ,&!m $ a !$%! &ha& *a%$l$&a&! !%"r! %"rr!n%, &rana%&$on5 <! %all $&

a Mon!, Pa 'h$%h r!%o#n$F! >$n#!r Pr$n& o* &h! "!r an !%$! 'h!&h!r &h! "!r $ a

a"&hor$F! !ron or no&5 E!r, &$m! &h! "!r 'an& &o a%%! &h! Mon!, Pa h! ha &o ma6!

an $mr!$on o* h$ *$n#!r 'h$%h '$ll +! !n! an ma&%h! '$&h &h! on! $n &h! har $65

I* &h! *$n#!r r$n& ma&%h! '$&h &h! "!r h! '$ll +! allo'! &o a%%! an "! &h! Pa

o&h!r'$! &h! Mon!, Pa $ no& a%%!$+l!5

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(1* -e4cription/+3 Pt *+

4 Mne' Pa, a F-t-re .a%%et Sem"nar

5 Intr,-#t"n t mne' pa,

6 The credit cards and the smart cards are frequently used transactiondevices which are used by the costumers to make payments by usinghis personal credit card. The credit cards can be used by electronicmeans and the card is used till the expiration date by following the

rules of the bank.

!oney pad uses a biometric technology method for accessing the pad

and is made of a touch pad and magnetic disk peripherals. "n thispaper we will see how the money pad is designed and how they are

accessed for making the banking transactions.

#

$ Br"e! n mne' pa,

%& The money pad is used by the user by giving his finger printimpression on the scanner and it records the thumb impressions. '

magnetic disk is used for storing the thumb impression details and itcontains the bank code details etc.

** (ere the user has to place he thumb impression on the scanner and it

checks the details from the base server and if it is correct then he is

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10

allowed to type his account number and the password and after the

successful completion he is allowed to make the further transactions.

The accuracy of the money pad is calculated based on the false

acception rate and re)ection rate.

 

*, Field of the In6ention/+

  Th! r!!n& $n!n&$on r!la&! &o an !l!%&ron$% 'all!&

mana#!m!n& ,&!m 'h$%h %on&rol !l!%&ron$% 'all!& !$%! *or mon!&ar, a&a &ran*!r an

!l!%&ron$% 'all!& !$%! $&!l* an !l!%&ron$% 'all!& mana#!m!n& "n$& a &!rm$nal &a&$on &h!r!

*or a '!ll a &o a &ora#! m!$"m %on&a$n$n# an !l!%&ron$% 'all!& mana#$n# ro#ram5 Mor!

 ar&$%"larl, &h! r!!n& $n!n&$on r!la&! &o an !l!%&ron$% 'all!& mana#!m!n& ,&!m 'h$%h

!al '$&h &h! lo or *a$l"r! o* !l!%&ron$% 'all!& !$%! a '!ll a &o an !l!%&ron$% 'all!&

!$%! an !l!%&ron$% 'all!& mana#!m!n& "n$& an a &!rm$nal &a&$on !$#n! &h!r! *or5

(, -e4cription of the Related rt/+

  El!%&ron$% 'all!& !$%! %arr, !l!%&ron$% mon!,5

P!ol! "! &h!m &o ma6! a,m!n& !l!%&ron$%all, '$&ho"& "$n# r!al mon!,5 El!%&ron$% 'all!&

 ro$! ar$o" aan&a#! o!r %ah on! o* 'h$%h $ &ha& a,m!n& %an +! ma! mor!

 rom&l, +!%a"! &h!r! $ no n!! &o #$! or r!%!$! &h! %han#!5 P!ol! ma, ho'!!r lo!

&h!$r !l!%&ron$% 'all!& !$%! a& &$m!5 Th! lo o* !l!%&ron$% 'all!& !$%! ma, +! hanl!

ar$o"l, !!n$n# on &h!$r !$%! &,!5 >or !4aml! $n &h! %a! o* r!a$ &,! !$%!

'h$%h %an +! "! '$&ho"& "!r a"&h!n&$%a&$on &h!r! $ no 'a, *or &h! lo!r &o ha! h$;h!r 

!l!%&ron$% 'all!& r!$"!5 Th$ m!an &ha& &h! lo!r 'o"l no& +! a+l! &o r!%o!r &h!

!l!%&ron$% mon!, a& all "nl! h!;h! $%o!r &h! !r, !$%! &ha& $ m$$n#5 In %on&ra& &o

&h$ "%h !l!%&ron$% 'all!& !$%! &ha& r!"$r! "!r a"&h!n&$%a&$on %an +! r!$"! a& &h!$r 

r!!%&$! $"$n# *$nan%$al $n&$&"&$on 'h!n &h!, ar! lo&5 In &h$ %a! &h! mon!&ar, a&a

r!ma$n$n# $n &h! lo& !l!%&ron$% 'all!& '$ll !!n&"all, +! %arr$! o!r &o &h! r!$"! !$%!

&h" allo'$n# &h! o'n!r &o "! $& '$&ho"& ro+l!m5 R!$"$n# o* "%h an !l!%&ron$% 'all!&

ho'!!r %on"m! a lon# &$m!5 S!%$*$%all, &ho! &ha& r!"$r! la&!r !&&l!m!n& l$6!

!%"r$&$! ma, &a6! a *!' mon&h &o +! r!$"!5 Ano&h!r "%h !4aml! $ +an6$n# %ar

'h$%h mana#! mon!&ar, a&a no& $r!%&l, +"& onl, &hro"#h &h! %"&om!r +an6 a%%o"n&5

 I& &a6! a %o"l! o* '!!6 *or &h! lo!r &o #!& "%h a +an6$n# %ar r!$"!5 <ha& $ 'or! $&ha& &h! %"&om!r %anno& !n h$;h!r o'n mon!, "r$n# &h! &$m! h!;h! 'a$& *or &h!

!l$!r, o* a r!$"! !l!%&ron$% 'all!&5

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11

81  5ey9ord4

351 Mon!, Pa

352 D$#$&al or El!%&ron$% Cah or D$#$7%a!

353 P!ronal D$#$&al A$&an%!

359 $om!&r$% T!%hnolo#,

35@ >$n#!r Pr$n& R!a!r 

35B >loa&

35 >$a& Mon!,

358 S!%$! a%6!

35 -!#$&$ma&!

 

81* Money Pad @

A *orm o* %r!$& %ar or mar& %ar $m$lar &o *lo, $6 'h$%h $ $n&ro"%!

&o ro$! !%"r! !7%ah &rana%&$on5

81( -igital or !lectronic "a4h or -igital Money@ 

  Th!! &!rm ar! alo "!

$n&!r%han#!a+l, an &h!, r!*!r &o an, o* &h! ar$o" m!&ho &ha& allo' a !ron &o "r%ha!

#oo or !r$%! +, &ranm$&&$n# a n"m+!r *rom on! %om"&!r &o ano&h!r5 Th! n"m+!r ar!

$"! +, a +an6 an r!r!!n& "m o* r!al mon!,5 D$#$&al %ah $ anon,mo" an r!"a+l!5

El!%&ron$% mon!, (alo 6no'n a !7%"rr!n%, !7mon!, !l!%&ron$% %ah !l!%&ron$% %"rr!n%,

$#$&al mon!, $#$&al %ah $#$&al %"rr!n%, %,+!r %"rr!n%,) $ mon!, or %r$ &ha& $ onl,

!4%han#! !l!%&ron$%all,5 T,$%all, &h$ $nol! &h! "! o* %om"&!r n!&'or6 &h! $n&!rn!&

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12

an $#$&al &or! al"! ,&!m5 !l!%&ron$% *"n &ran*!r  (E>T) $r!%& !o$& $#$&al #ol

%"rr!n%, an $r&"al %"rr!n%, ar! all !4aml! o* !l!%&ron$% mon!,5 Alo $& $ a %oll!%&$!

&!rm *or *$nan%$al %r,&o#rah, an &!%hnolo#$! !na+l$n# $&5

<h$l! !l!%&ron$% mon!, ha +!!n an $n&!r!&$n# ro+l!m *or %r,&o#rah, (!! *or !4aml!

&h! 'or6 o* Da$ Cha"m  an Mar6" Ja6o+on) &o a&! &h! "! o* !7mon!, ha +!!n

r!la&$!l, lo'7%al!5 On! rar! "%%! ha +!!n Hon# Kon# O%&o" %ar ,&!m 'h$%h

&ar&! a a &ran$&  a,m!n& ,&!m  an ha #ro'n $n&o a '$!l, "! !l!%&ron$% mon!,

,&!m5  -onon Tranor& O,&!r %ar  ,&!m r!ma$n !!n&$all, a %on&a%&l! r!7a$

&ra!l %ar5 T'o o&h!r %$&$! ha! $ml!m!n&! *"n%&$on$n# !l!%&ron$% mon!, ,&!m5 .!r,

$m$lar &o Hon# Kon# O%&o" %ar S$n#aor! ha an !l!%&ron$% mon!, ro#ram *or $&

 "+l$% &ranor&a&$on ,&!m (%omm"&!r &ra$n +" !&%5) +a! on &h! am! &,! o* (>!l$Ca)

,&!m5 Th! N!&h!rlan ha alo $ml!m!n&! a na&$on'$! !l!%&ron$% mon!, ,&!m 6no'n

a Ch$6n$  *or #!n!ral "ro! a '!ll a O.7Ch$6aar&  *or &ran$& *ar! %oll!%&$on5 In

!l#$"m a a,m!n& !r$%! %oman, Pro&on o'n! +, B0 !l#$an +an6 $"$n# &or!

al"! %ar 'a !!lo! $n 1@5

818 Per4onal -igital 44i4tance @ 

  A PDA om!&$m! r!*!rr! &o a a alm7&o %om"&!r $

mall!r &han a la&o %om"&!r an o! no& ha! a m"%h %om"&$n# o'!r5 U! &o !n

!ma$l $a a '$r!l! mo!m 'r$&! o%"m!n& $n a &!4& !$&or !r*orm %al%"la&$on $n a

r!ah!!& &or! nam! an ar!! an !r*orm o&h!r %ommon +"$n! an !ronal

&a65

81: Biometric4 Technology @

T!%hnolo#, "! &o a%%"ra&!l, $!n&$*, an !r$*, an

$n$$"al $!n&$&,5

81; Finger Print Reader @

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13

  A ma%h$n! '$&h r!a;'r$&! h!a %aa+l! o* r!a$n# &h! $n*orma&$on

&or! $n &h! Mon!, Pa5

81< Float @

Th! &rana%&$on $n &!rm o* $#$7%ah 'h$%h &a6! F!ro7"m #a$n $ %all! *loa&5

81= Fiat Money @

A"&hor$F! mon!,5

81> Specie+BacAed @

Co$n! mon!,5

81? $egitimate @

-a' *"ll5

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19

:1  Form4 Of Money

:1* #and+"a4h

:1( !+"a4h

*1 #and+"a4h/+

  Th! amo"n& o* mon!, $n &h! *orm o* %ah &ha& a %oman, ha a*&!r $& ha

 a$ all $& %o&5

<r$&&!n a& &h! &o o* &h! a!& $! o* a +alan%! h!!& &o ho' &h! amo"n& o* mon!, h!l +, a

%oman, $n &h! *orm o* no&! an %o$n5

I* om!on! $ a$ %ah $n han &h!, ar! a$ $n no&! an %o$n o &h!r! $ no 'r$&&!n r!%or

o* &h! a,m!n&5

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1@

(1 !+"a4h or -igital "urrency/+

E7%ah r!r!!n& $**!r!n& &,! o* ro"%&5 Th$ !%&$on !4lor! &h!

$**!r!n& &,! o* !7%ah ro"%& an ho' !a%h *"n%&$on5

• S&or! !l!%&ron$%all, "! &o ma6! onl$n! !l!%&ron$% a,m!n&

• S$m$lar &o &ra$&$onal +an6 a%%o"n&

• U! '$&h o&h!r a,m!n& &!%hnolo#$! ($#$&al 'all!&)

• All!$a&! om! !%"r$&, *!ar onl$n! %r!$&7%ar &rana%&$on

• Allo' &ho! '$&h no %r!$& %ar &o ho onl$n!

• M!r%han& a%%!&$n# $#$&al7%ah a,m!n& ao$ %r!$&7%ar &rana%&$on *!!

• E7Cah T!%hnolo#$! In%5  $ a !%"r! $#$&al7%ah ro$!r &ha& allo' ,o" &o

'$&hra' *"n *rom ,o"r &ra$&$onal +an6 a%%o"n&

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1B

!+"a4h diagram

;1  !+Wallet

• D$#$&al 'all!& (alo 6no'n a an !7'all!&) allo' "!r &o ma6! !l!%&ron$% %omm!r%!

&rana%&$on "$%6l, an !%"r!l,5

• A $#$&al 'all!& *"n%&$on m"%h l$6! a h,$%al 'all!&5 Th! $#$&al 'all!& 'a *$r&

%on%!$! a a m!&ho o* &or$n# ar$o" *orm o* !l!%&ron$% mon!, (!7%ah) +"& '$&h

l$&&l! o"lar$&, o* "%h !7%ah !r$%! &h! $#$&al 'all!& ha !ol! $n&o a !r$%!

&ha& ro$! $n&!rn!& "!r '$&h a %on!n$!n& 'a, &o &or! an "! onl$n! ho$n#

$n*orma&$on5

• Th! &!rm =$#$&al 'all!&? $ alo $n%r!a$n#l, +!$n# "! &o !%r$+! mo+$l! hon!

!!%$all, mar& hon! &ha& &or! an $n$$"al %r!!n&$al an "&$l$F! '$r!l!

&!%hnolo#$! "%h a n!ar *$!l %omm"n$%a&$on  (N>C) &o %arr, o"& *$nan%$al

&rana%&$on

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1

• K!! &ra%6 o* ,o"r +$ll$n# an h$$n# $n*orma&$on o &ha& $& %an +! !n&!r! '$&h on!

%l$%6 a& ar&$%$a&$n# $&!5

•  S&or! !7%h!%6 !7%ah an %r!$&7%ar $n*orma&$on5

"redit+card companie4 offer a 6ariety of e+9allet4

•  .$a !7'all!&

•  MNA !7'all!& allo' on!7%l$%6 ho$n# a& m!m+!r $&!

•  En&r,o$n&5%om o**!r a !ronal$F! !6&o &ool+ar &ha& $n%l"! an !7'all!&5

A #ro" o* !7'all!& !nor ha! &anar$F! &!%hnolo#, '$&h El!%&ron$% Comm!r%!Mo!l$n# -an#"a#! (ECM-)5

Con&!4&7$n!!n!n& 6no'l!#!

•  Nam! !ma$l ar! %on&!4&7$n!!n!n& r!*!r!n%!

Con&!4&7!!n!n& 6no'l!#!

• =<h!n r$$n# I on& 'an& &o r!%!$! $n&an& m!a#!?

S!r$%! $no%a&$on r"l!

• A"&oma&! !r$%! $!n&$*$%a&$on an a%%!

• Ma %on&!4&"al a&&r$+"&! on&o $**!r!n& r!o"r%! (!ronal an "+l$%) Pr$a%, r"l!

A%%! %on&rol r"l!

• =Onl, m, %lama&! %an !! m, lo%a&$on?

O+*"%a&$on r"l!

• =M, %lama&! %an onl, !! &h! +"$l$n# I am $n +"& no& &h! a%&"al

room?

!+Wallet4

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18

<1  Technical -etail4 of Paper

B51 a$% o* &h! Pr!!n& S,&!m

B52 Cr!$& Car

B53 Smar& Car

B59 D!+$& Car

6 1 Basic Of the Present System:

Pr!!n&l, "! &o &h! "a#! o* %om"&!r $n almo& all &h! *$!l &h! !man *or &h! "&$l$Fa&$on

o* El!%&ron$% Mon!, ha! +!!n $n%r!a!5 Pa,m!n& ma! &oa, $n n!arl, all o* &h! !o$&

%"rr!n%$! $n &h! 'orl +an6$n# ,&!m ar! hanl! !l!%&ron$%all, &hro"#h a !r$! o* 

$n&!r+an6 %om"&!r n!&'or65 Cr!$& %ar an mar&%ar ar! '$!l, "! &o !n&!r $n&o &h!!

$n&!r+an6 %om"&!r n!&'or6 $n or!r &o !r*orm &rana%&$on5 Th!! ar! &h! o"lar m!$"m

'$!l, !4$&$n# a a r!%!n& m!$"m o* %"rr!n%, $n &h! !7%ah %!nar$o5 Th! mo! o* "a#!

an &h! !%"r$&, ro$! +, &h!! %"rr!n%, m!$"m ar! a *ollo'5

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1

<1( "redit "ard/+

Cr!$& %ar ar! a,m!n& !$%! &ha& allo' &h! %on"m!r &o ma6! "r%ha! '$&h$n %!r&a$n

#"aran&!! l$m$& a !*$n! +, &h! $"!r o* &h! %ar5 To "! a %r!$& %ar $n mo& %a! $& $

"**$%$!n& &o r!!n& &h! m!r%han& '$&h &h! %ar n"m+!r an &h! %arhol!r nam! an

!4$ra&$on a&! o* &h! %ar5 Th!! a&a %an +! %on!n$!n&l, &ranm$&&! o!r &h! In&!rn!&5

>"r&h!rmor! %r!$& %ar ro%! *"n +, !l!%&ron$% m!an5 Th! "!r ha &o 'a &h! %ar $n

&h! %ar r!a!r ma%h$n! &h!n &h! ma%h$n! a6 *or a"&h!n&$%a&$on $n*orma&$on l$6! !%r!&

 a'or !&%5 -a&!r &h! "!r $ allo'! &o !r*orm &h! &rana%&$on5 Th!! %r!$& %ar ha!

!!ral $aan&a#! l$6!5

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20

-i4ad6antage4/+

• In&an& %l!ar$n# o* *"n $ no& o$+l!5

•U!r $ al'a, "n!r &h! r!"r! o* l$m$& on "r%ha! !*$n! +, &h! $"!r o* &h!%ar an alo !!r, &rana%&$on $nol! %!r&a$n %har#!5

• In!%"r! &rana%&$on "$n# *$4! !n%r,&$on5

• Th! %ar ha &o +! r!n!'! on%! $& $ !4$r!5

-ifferent type4 of credit card/+

Benefit4 to merchant4

An !4aml! o* &r!!& mar6!& a%%!&$n# %r!$& %ar

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21

Cr!$& %ar ar! $"! a*&!r an a%%o"n& ha +!!n aro! +, &h! %r!$& ro$!r a*&!r 'h$%h

%arhol!r %an "! $& &o ma6! "r%ha! a& m!r%han& a%%!&$n# &ha& %ar5

<h!n a "r%ha! $ ma! &h! %r!$& %ar "!r a#r!! &o a, &h! %ar $"!r5 Th! %arhol!r 

$n$%a&! h$;h!r %on!n& &o a, +, $#n$n# a r!%!$& '$&h a r!%or o* &h! %ar !&a$l an

$n$%a&$n# &h! amo"n& &o +! a$ or +, !n&!r$n# a P!ronal $!n&$*$%a&$on n"m+!r  (PIN)5 Alo

man, m!r%han& no' a%%!& !r+al a"&hor$Fa&$on $a &!l!hon! an !l!%&ron$% a"&hor$Fa&$on

"$n# &h! In&!rn!& 6no'n a a Car;Carhol!r No& Pr!!n& (CNP) &rana%&$on5

"redit "ard

<18 S martcard4/+

A mar&%ar r!!m+l! a %r!$& %ar !4%!& &ha& $& ha a m$%ro%h$ !m+!! '$&h$n $& &h$

allo' &h! mar&%ar &o &or! $n*orma&$on an om!&$m! &o !!n !r*orm $ml! %al%"la&$on5

Common mar&%ar %h$ &,$%all, hol a+o"& 8000 +,&! (%hara%&!r) o* $n*orma&$on

'h$%h !na+l! &h! mar&%ar &o !r*orm a ar$!&, o* *"n%&$on "%h a $!n&$*$%a&$on &or$n#

 +an6 a%%o"n& $n*orma&$on an hol$n# $#$&al %ah5 Pa,m!n& $n*orma&$on $n &h! *orm o* 

%"rr!n%, al"! $ &or! on &h$ %h$ an %an +! r!&r$!! '$&h !%$all, !$#n! %ar

r!a!r5

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22

-i4ad6antage4/

• In!%"r! &rana%&$on "$n# *$4! !n%r,&$on5

• R$6 o* a&a lo "! &o %h$ *a$l"r!5

Smar& %ar %an ro$! $!n&$*$%a&$on a"&h!n&$%a&$on a&a &ora#! an al$%a&$on

 ro%!$n#5

Th! +!n!*$& o* mar& %ar ar! $r!%&l, r!la&! &o &h! ol"m! o* $n*orma&$on an al$%a&$on

&ha& ar! ro#ramm! *or "! on a %ar5 A $n#l! %on&a%&;%on&a%&l! mar& %ar %an +!

 ro#ramm! '$&h m"l&$l! +an6$n# %r!!n&$al m!$%al !n&$&l!m!n& r$!r l$%!n!;"+l$%

&ranor& !n&$&l!m!n& lo,al&, ro#ram an %l"+ m!m+!rh$ &o nam! :"& a *!'5 M"l&$7

*a%&or an ro4$m$&, a"&h!n&$%a&$on %an an ha +!!n !m+!! $n&o mar& %ar &o $n%r!a!

&h! !%"r$&, o* all !r$%! on &h! %ar5 >or !4aml! a mar& %ar %an +! ro#ramm! &o onl,

allo' a %on&a%&l! &rana%&$on $* $& $ alo '$&h$n ran#! o* ano&h!r !$%! l$6! a "n$"!l,

 a$r! mo+$l! hon!5 Th$ %an $#n$*$%an&l, $n%r!a! &h! !%"r$&, o* &h! mar& %ar5

o!rnm!n& #a$n a $#n$*$%an& !nhan%!m!n& &o &h! ro$$on o* "+l$%l, *"n! !r$%!

&hro"#h &h! $n%r!a! !%"r$&, o**!r! +, mar& %ar5 Th!! a$n# ar! a! on&o o%$!&,

&hro"#h a r!"%&$on $n &h! n!%!ar, *"n$n# or !nhan%! "+l$% !r$%!5

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23

Smart "ard4 I" chip diagram

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29

<1: -e7it card/+

A !+$& %ar (alo 6no'n a a +an6 %ar) $ a la&$% %ar 'h$%h ro$! an al&!rna&$!

 a,m!n& m!&ho &o %ah 'h!n ma6$n# "r%ha!5 >"n%&$onall, $& %an +! %all! an !l!%&ron$%

%h!%6 a &h! *"n ar! '$&hra'n $r!%&l, *rom !$&h!r &h! +an6 a%%o"n& (o*&!n r!*!rr! &o a a

%h!%6 %ar) or *rom &h! r!ma$n$n# +alan%! on &h! %ar5 In om! %a! &h! %ar ar! !$#n!

!4%l"$!l, *or "! on &h! In&!rn!& an o &h!r! $ no h,$%al %ar5

Th! "! o* !+$& %ar ha +!%om! '$!r!a $n man, %o"n&r$! an ha o!r&a6!n &h!

%h!"! an $n om! $n&an%! %ah &rana%&$on +, ol"m!5 -$6! %r!$& %ar !+$& %ar ar!

"! '$!l, *or &!l!hon! an In&!rn!& "r%ha!5

D!+$& %ar %an alo allo' *or $n&an& '$&hra'al o* %ah a%&$n# a &h! ATM %ar  *or 

'$&hra'$n# %ah an a a %h!"! #"aran&!! %ar5 M!r%han& %an alo o**!r %ah +a%6;%ah

o"& *a%$l$&$! &o %"&om!r 'h!r! a %"&om!r %an '$&hra' %ah alon# '$&h &h!$r "r%ha!5

Type4 of de7it card

D!+$& %ar

An !4aml! o* &h! *ron& o* a &,$%al !+$& %arL

• I"$n# +an6 lo#o

• EM. %h$ 

• Holo#ram 

• Car n"m+!r  

• Car +ran lo#o

• E4$r, a&!

• Carhol!r nam!

An !4aml! o* &h! r!!r! $! o* a &,$%al !+$& %arL

• Ma#n!&$% &r$! 

• S$#na&"r! &r$

• Car S!%"r$&, Co! 

D!+$& Car

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2@

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2

Money Pad

#o9 to .4e Money Pad /+

• .$$& n!ar+, +an6 '$&h !7 +an6$n# *a%$l$&,

• /o" m"& ha! an a%%o"n& '$&h om! +alan%!5

• $! n!%!ar, !&a$l alon# '$&h *$n#!r r$n&5

• U!r $ #$!n +an67%o! an a%%o"n& n"m+!r alon# '$&h mon!, a5

 

 No&!L 7 Th! mon!, a %on$& o* &ora#! $n*orma&$on l$6! a%%o"n& n"m+!r +an6 %o! (*rom

'h!r! h! ha "r%ha! &h$ mon!, a) an h$ *$n#!r r$n&5

Ho' &o 'or6 Mon!, PaL7

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28

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2

=1  Operation Of Money Pad

 

Ne9 .4er

<h!n a "!r '$h! &o ha! a Mon!, Pa h! $ "o! &o $$& a n!ar+, +an6 'h$%h ha a

!7+an6 *a%$l$&,5 I& $ n!%!ar, *or &h! n!' "!r &o %r!a&! a a%%o"n& '$&h om! m$n$m"m

 +alan%!5 Th! a"&h!n&$%a&$on !&a$l alon# '$&h h$ *$n#!rr$n& $ r!%or! an &or! $n &h!

a&a +a! !r!r5 Th! "!r $ ro$! '$&h an a%%o"n& n"m+!r an +an6 %o! alon# '$&h h$

Mon!, Pa5 Th! Mon!, Pa %on$& o* &or! $n*orma&$on l$6! a%%o"n& n"m+!r +an6 %o!

(*rom 'h!r! h! ha "r%ha! &h$ mon!, a) an h$ *$n#!rr$n&5

• D!$#n o* &h! ,&!m

    

•   Pro%! $n r!"!& o* mon!, a

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30

>1  Why .4e Money Pad

851 In&an& %l!ar$n# o* *"n

852 Ao$ &h! $n!%"r! 'a, o* %arr,$n# mon!,853 Pro$! &ron# !%"r$&,

859 Can +! m!!& +, a %ommon man

8.5 Αo$ &h! n"$an%! o* r!n!'$n#

>1* In4tant clearing of fund4/+

  Th! $n&an& %l!ar$n# o* *"n m!an &h! !n o* *loa& 'h$%h $

&h! &$m! !n& 'a$&$n# *or a *"n &ran*!r &o %l!ar5 Pa,m!n& %an +! $n&an&l, ma! a man

h$m!l* %arr$! $#$7%ah '$&h h$m5 Th!r! $ no n!! *or an, $n&!rm!$a&! ar&, &o %l!ar &h!

*"n5

>1(   6oid4 the in4ecure 9ay of carrying money/+

  Th! r!!n& &r!n $ *"ll o* &h!*& an

ro++!r,5 Man $ $n *!ar 'h$l! h! $ %arr,$n# a h"#! amo"n& *rom la%! &o la%!5 Th! m!$"m

o* !4%han#! &ha& $ $n&ro"%! (Mon!, Pa)!l$m$na&! &h$ *!ar $n%! man n!! no& %arr, an,

har %ah a $& $ &or! $n &h! *orm o* $#$&al mon!,5 In %a! h! lo! &h! Mon!, Pa &h!

 ro$$on %an +! ma! "%h &ha& &h! lo& %ah %an +! r!%"rr! $n&o h$ o'n a%%o"n& +, !7ma$l

*a%$l$&,5

>18 Pro6ide4 4trong 4ecurity/+

  A '! 6no' !!r,+o, ha a $**!r!n& *$n#!rr$n& $& $ a rar!

%a! &o ha! &'o !ron '$&h am! *$n#!rr$n&5 Ta6$n# &h$ $n&o %on$!ra&$on Mon!, Pa

"! $om!&r$% T!%hnolo#, &o ro$! &ron# !%"r$&,5

>1:   "an 7e meet 7y a common man/+

  S$n%! %r!$& %ar an mar& %ar r!"$r! &h! *a%$l$&, &ha&

a m$n$m"m !o$& ho"l +! r!!n& 'h$%h $ !r, h$#h &o +! m!!& +, a %ommon man5

<h!r!a Mon!, Pa o!n& r!"$r! an, m$n$m"m h$#h !o$& +"& $& r!"$r! a mall

amo"n& 'h$%h %an +! m!!& +, a %ommon man5

>1;   6oid4 the nui4ance of rene9ing/+

  Mon!, Pa  once issued is permanent, as it

doesn’t require any kind of renovation.

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31

?1  Tran4action .4ing Money Pad

 <h!n!!r a "!r 'an& &o "! &h! Mon!, Pa h! ha &o la%! h$ *$n#!r on &h! &o"%h !nor 

an &h!n la%! $& $n a *$n#!r r$n& r!a!r5 Th! r!a!r '$ll a6 *or +an6 %o! o &ha& h! %an

!n&!r $n&o h$ !7+an6 &h!n h$ a%%o"n& n"m+!r o &ha& h! %an !n&!r $n&o h$ a%%o"n&5 A*&!r &h$

&h! r!a!r '$ll a%%! &h! *$n#!rr$n& an ma&%h! '$&h &ha& r!!n& on &h! Mon!, Pa a '!ll

a r!!n& $n &h! a&a +a! !r!r5 I* a ma&%h o%%"r &h! r!a!r 6no' &ha& h! $ a a"&hor$F!

"!r an allo' *or *"r&h!r &rana%&$on5 I* no& &h!n &h! r!a!r %om! &o 6no' &ha& &h! "!r $

"na"&hor$F! an a ro$$on %an +! ma! o &ha& &h! $# %ah r!!n& $n &h! Mon!, Pa $ !7

ma$l! +a%6 &o &h! a"&hor$F! a%%o"n& hol!r "$n# &h! "!r !&a$l r!!n& $n &h! Mon!, Pa5

A &h! Mon!, Pa ha r!a an 'r$&! *a%$l$&, $& $ "! &o o'n loa $#$7%ah %arr, on

&rana%&$on an &or! &h! +alan%!5

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32

*)1 Technical Implementation

Th! Mon!, Pa "! &h! $om!&r$% T!%hnolo#, a &h! &!%hn$"! '$&h 'h$%h &h! !%"r$&, $

 ro$!5 $om!&r$% T!%hnolo#, $ "! &o a%%"ra&!l, $!n&$*, an !r$*, an $n$$"al

$!n&$&,5 Th$ $nol! $!n&$*,$n# h$ h,$olo#$%al an +!ha$oral %hara%&!r$&$%5 $om!&r$%

$n #!n!ral r!*!r &o &h! &", o* +$olo#$%al %hara%&!r$&$%5 <$&h r!*!r!n%! &o %om"&!r 

!%"r$&, $& r!*!r &o a"&h!n&$%a&$on &!%hn$"! "$n# +$olo#$%al %hara%&!r$&$% &ha& ar!

m!a"ra+l! or $!n&$*$a+l! an "n$"! &o an $n$$"al5

Th! a%%"ra%, o* an, +$om!&r$% ,&!m $ m!a"r! $n &'o 'a,L

Fal4e cceptance Rate  <h!r! an $mo&or $ a%%!&! a a ma&%h5

Fal4e Re2ection Rate  'h!r! a l!#$&$ma&! ma&%h $ !n$! a%%!5

>$n#!rr$n& !r$*$%a&$on $ on! "%h +$om!&r$% ,&!m 'h$%h a"&h!n&$%a&! '!a&h!r &h! "!r $

a a"&hor$F! !ron or no&5 I& $nol! &h! "!r la%$n# h$ *$n#!r o!r a #la la&! 'h$%h

r!$! o!r a h$#h7r!ol"&$on %han#! %o"l! %am!ra5 Th! $ma#! %a&"r! $ %omar! &o

&ha& $n &h! ,&!m a&a+a! an !%$! &h! "!r a"&h!n&$%a&$on5 A *$n#!r r$n& r!a!r %an +!

"! *or &h$ "ro!5

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33

**1 Field4 Of pplication

•  pplica7le in e+7anA4 and in any Aind of e+tran4action4/+

  Th! mon!, a !$%! $

%aa+l! o* %arr,$n# $#$7%ah an h!n%! $& $ "!*"l &o !r*orm an, 6$n o* !7+an6$n# or an,

6$n o* !7&rana%&$on5

•   "an 7e u4ed to carry out remote tran4action4/+

  A $#$7%ah %an +! %arr$! $n

Mon!, Pa $& $ "!*"l &o !r*orm r!mo&! &rana%&$on l$6! !7a,m!n& $#7%ah &ran*!r !&%5

•  .4eful to carry -igital ca4h/+

  S$n%! $n *"&"r! a!r %ah $ #o$n# &o !4&$n%& man n!!a !%"r! m!an &o %arr, $#$7%ah5 A Mon!, Pa ro$! a !%"r! m!an &o %arr, $#$7%ah

$& '$ll +! !r, n!!*"l $n *"&"r!5

•  .tiliCation of per4onal data in filling order form4/+

  Th! !ronal a&a &or! $n &h!

Mon!, Pa %an +! "! &o *$ll or!r *orm &h" a$n# "!r &$m!5

•  pplica7le in m+commerce tran4action4/+

  S$n%! $#$7%ah $ %arr$! !!r,'h!r! $&

$ al$%a+l! &o an, 6$n o* m7%omm!r%! &rana%&$on5

•  pplica7le in daily life/+

  A $& $ "!*"l $n ho$n# $!n&$*$%a&$on &!l!hon!

!r$%! an l$%!n! $& $ al$%a+l! $n a$l, l$*! alo5

 

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39

 

*(1 Future Scope

Th! 'all!& o* &h! *"&"r! '$ll hol l! a!r %ah %o$n an ma#n!&$% &r$! %ar5 I& '$ll hol

$n&!a Mon!, Pa %on&a$n$n# $#$&al %ah an o&h!r *$nan%$al $n*orma&$on "a&!  

 !rha a"&oma&$%all, +, a PDA '$&h a a&!ll$&! %omm"n$%a&$on l$n65

15 In&an& %l!ar$n# o* *"n

25 El$m$na&$on o* a,m!n& r$6 

35 S!%"r! &rana%&$on "$n# &ron# !n%r,&$on

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3@

 

*81 "onclu4ion

>or a $#$&al %"rr!n%, ,&!m &o a&&a$n '$!r!a r!%o#n$&$on an "! &h!

>ollo'$n# &hr!! r!"$r!m!n& ar! n!%!ar,L7

15 In&an& %l!ar$n# o* *"n

25 El$m$na&$on o* a,m!n& r$6 

35 S!%"r! &rana%&$on "$n# &ron# !n%r,&$on

S$n%! &h! Mon!, Pa a$m &o a&$*, &h! a+o! %on$&$on &h!r! $ no o"+& &ha& $n n!ar *"&"r!

$& '$ll +! '$!l, r!%omm!n! *or "!5

On%! &h! Mon!, Pa $ $ml!m!n&! $& ha a '$! %o!5 Tho"#h a& r!!n& '! ma, "!

*$n#!r r$n& r!a!r &o a%%! &h! $#$7%ah $n &h! n!ar *"&"r! &h! !$%! %an +! a"&oma&! $n&o

Mo+$l! hon! <a&%h! Han h!l !$! a '!ll a <AP !$%!5

In *"&"r! 'h!n $n&!rn!& $ #o$n# &o %a&"r! &h! 'orl &h!r! $ no r!"$r!m!n& o* an, %ar or 

 a :"& a mall !$%! 'h$%h %an r!%o#n$F! &h! *$n#!r r$n& %an +! a&&a%h! a& an, la%!

&hro"#ho"& &h! 'orl5 Th" r!"$r$n# no !$%! &o %arr, mon!, :"& a man $ r!"$r! &o

a%%! $#$7%ah an ro$n# =Man a Mon!,?5 A& la& $n%! Th"m+ Imr!$on $ #o$n# &o

 ro$! a &ron# +a! *or !%"r$&, $n &h! *"&"r! '! %an r!$%& &ha& =H$&or, R!!a&?5

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3B

*:1 Reference

• "omputer4 Today MagaCine+ O%&o+!r 2001 $"!5

• P" Due4t MagaCine  O%&o+!r 2001 $"!5

We74ite4

• '''5#olmon!,5%om;*"&"r!mon!,5h&ml

• '''5n$#h&%a&5%om;al!;*r!!5h&ml