My New Innovation Concepts

PCT Application Number                     : Will update soon Indian Patent Application Number  : 201741033411 US Patent Application Number         : Will update soon In recent years, financial services industry has become increasingly expanded. Banks, for example, now offer a wide variety of products and services not previously available to customer. Due to the expansion and advent of new technology in the financial services industry, it undergoes significant pressures. Customers have less and less time to manage their money so to overcome this problem and to interact with banks includes ubiquitous; ATM into the market. ATM is an electronic banking outlet that allows the customers of a financial institution to complete financial transactions, particularly cash withdrawal, and receive reports of customer’s account balances without the assis...

PCT Application Number                  : Will update soon Indian Patent Application Number   : 201741028509 US Patent Application Number         : Will update soon Patent Status                                        : Rejected in India   In the current world most of the banks are providing traditional debit cards to their customers which means still we need to insert the card in to ATM and enter the PIN and then enter the desired amount to be withdrawn from the ATM. In the recent years so many advanced technologies are introducing in the banking sector still we need to follow the flow to get the cash from the ATM. To ease the cash withdrawal process form ATM, I am proposing pre-configurable debit cards which means people can set the desired amount on the card itself by using small rotatable n...

PCT Application Number                     : PCT/IB2018/055035 Indian Patent Application Number  : 201741025886 US Patent Application Number         : Will update soon A negotiable instrument (also sometimes referred to as banking instrument) is a document guaranteeing the payment of a specific amount of money, either on demand, or at a set time, with the payer named on the document. More specifically, it is the document contemplated by or consisting of a contract, which promises the payment of money without condition, which may be paid either on demand or at a future date. The term can have different meanings, depending on what law is being applied and what country it is used in and what context it is used in. Most widely used negotiable instruments, amongst others, are Cheque and Demand draft (DD) and both of them are mechanisms used to make payments. The cheque is a bill ...