PIE 1295

Title of Invention: Secured Money

We request the inventor to elaborate on the below-mentioned lines:

S.NO COMMENTS RESPONSE

.
1. Briefly explain the working mechanism Dear Sir, In current inventions, we talk
of the present invention with a labeled about a secure cash register that prevents
diagram/video. employee theft of the money contained
therein and miscounting of money received
from and returned to customers.
Entries setup are automated to resolve
imperfections and attain assured track over
the system is a great system but we add a
layer of security by linking it with the bank
servers and it make it fully digital as when it
will be linked to servers then we can keep a
check on history of entries as till date
history of entries are available but from
machine only so if one want to keep a check
then they’ll need to go through machine but
if we link that with the servers then it can be
checked anywhere even on the phone which
makes it not only more secure but even
easy.
● The current invention is a cash
register that is designed to be secure
in order to prevent employee theft
and errors in counting money. It
comes with an added layer of
security by connecting with bank
servers, making the system
completely digital. This connection
allows for remote access and
monitoring of the cash register's
history of transactions from
anywhere, including mobile phones.
The cash register manages the
storage and handling of cash
transactions, while the entry
automation and error correction
system automates the process of
recording entries and resolves any
discrepancies.

A secure link connects the cash

register to the bank servers, which
enables real-time communication
and data transfer. This connection
allows the cash register to access the
server's history of transactions and
maintain synchronized records.
Authorized users can remotely
monitor and review the cash
register's history, even through a
mobile phone.
 By linking the cash register with
bank servers, the invention provides
an additional layer of oversight and
accessibility, improving security by
mitigating the risk of employee theft
and ensuring accurate tracking of
customer transactions. Additionally,
it simplifies the process of
monitoring and auditing the cash
register, making it more convenient
and efficient for business owners and
managers.

● Currently in cash transfer method

there are many things which we have
to go through and in any of them a
person can be cheated and the main
part of risk is the internet and, in that
case, we make a partnership with the
companies which provide highly
secure network or a non-hackable
network in which Routers will be
updated on a regular basis. Router
manufacturers update the firmware
on routers whenever a vulnerability
is detected, just like the operating
system on your phone or PC.
Reminder will be set to check the
router settings every month to see if
there have been any updates and
even by adding encryption.
2. Explain the working mechanism of the Sir, I have developed a hardware system for
present invention with a Hardware a "Secure Digital Cash Register System"
used. that incorporates advanced features for
security, efficiency, and accessibility, which
is designed to surpass existing solutions.
This new system, which I'll call "Secure
Cash 360," will focus on integrating bank
server connectivity, advanced encryption,
and user-friendly interfaces while being
cost-effective.

Hardware Design for Secure Cash 360

A. Overview

The secure Cash 360 is a secure, digital cash

register designed to prevent employee theft
and miscounting of money. It integrates
seamlessly with bank servers for real-time
transaction monitoring and enhanced
security. The system features automated
updates, dual-layer encryption, and multi-
factor authentication, providing a
comprehensive solution for secure cash
handling.
B. System Components

1. Central Processing Unit (CPU)

- A high-performance processor to
manage transactions, encryption, and
communication with bank servers.

2. Memory and Storage

- Sufficient RAM (8GB) for smooth
operation and a solid-state drive (SSD) of
256GB for secure, fast storage of transaction
data.

3. Secure Connectivity Module

- Includes Ethernet and Wi-Fi modules
supporting secure communication protocols
(TLS/SSL) to ensure secure data transfer to
bank servers.

4. Touchscreen Display
- A 15-inch touchscreen for user
interaction, designed to be accessible for
individuals with disabilities (e.g., adjustable
brightness, text size).
5. Biometric Authentication
- Integrated fingerprint scanner and facial
recognition camera for secure user
authentication, especially for high-value
transactions.
6. Receipt Printer
- High-speed thermal printer for
generating transaction receipts.
7. Cash Drawer
- Electronically controlled with reinforced
locking mechanisms to prevent
unauthorized access.
8. Backup Battery
- An uninterruptible power supply (UPS)
to ensure system operation during power
outages.
9. Router
- Equipped with regularly updated
firmware and reminders for monthly
security checks. Supports secure, encrypted
connections.
C. Functional Diagram

Below is a block diagram representing the

secure Cash 360 hardware system:

```
┌─────────────────────────────
┐
│ secure Cash 360 │
├─────────────────────────────
┤
│ │
│ ┌─────────────────────┐ │
│ │ Touchscreen │ │
│ │ Display │ │
│ └─────────────────────┘ │
│ │
│ ┌─────────────────────┐ │
│ │ Biometric Scanner │ │
│ │ (Fingerprint & │ │
│ │ Facial Recognition)│ │
│ └─────────────────────┘ │
│ │
│ ┌─────────────────────┐ │
│ │ CPU & Memory │ │
│ │ (with Storage SSD) │ │
│ └─────────────────────┘ │
│ │
│ ┌─────────────────────┐ │
│ │ Secure Connectivity │ │
│ │ Module (Wi-Fi │ │
│ │ & Ethernet) │ │
│ └─────────────────────┘ │
│ │
│ ┌─────────────────────┐ │
│ │ Receipt Printer │ │
│ └─────────────────────┘ │
│ │
│ ┌─────────────────────┐ │
│ │ Cash Drawer │ │
│ └─────────────────────┘ │
│ │
│ ┌─────────────────────┐ │
│ │ Router │ │
│ └─────────────────────┘ │
│ │
│ ┌─────────────────────┐ │
│ │ Backup Battery │ │
│ └─────────────────────┘ │
└─────────────────────────────
┘
```
D. System Operation

1. Secure Transactions:
- The secure Cash 360 connects to the
bank server through a secure, encrypted
connection using the router. All transactions
are logged and can be monitored in real-
time via a secure web portal accessible from
any authorized device, including mobile
phones.

2. Biometric Authentication:
- Employees and authorized users
authenticate using the fingerprint scanner or
facial recognition before accessing the
system, ensuring that only authorized
personnel can perform transactions or access
the cash drawer.

3. Automated Updates:
- The system automatically installs
updates for the firmware and software,
reducing maintenance costs and ensuring the
latest security measures are always in place.

4. Accessibility:
- The touchscreen display includes
features to aid those with disabilities,
ensuring all employees can use the system
efficiently.

5. Data Security:
- Dual-layer encryption protects all
transaction data both during transfer to bank
servers and while stored locally on the SSD.
Monthly reminders ensure the router’s
firmware is checked and updated regularly
for maximum security.
 E. Advantages Over Existing Systems

1. Cost-Effectiveness:
- Lower initial and maintenance costs due
to automated updates and minimal need for
technical expertise.

2. Enhanced Security:
- Advanced biometric authentication and
dual-layer encryption provide superior
protection against theft and fraud.

3. Improved Efficiency:
- Real-time monitoring and automated
processes reduce errors and streamline
transaction handling.

4. User Accessibility:
- Designed to accommodate users with
disabilities, promoting inclusivity in the
workplace.

The secure Cash 360 represents a significant

advancement in the field of secure cash
handling systems, providing enhanced
security, efficiency, and accessibility at a
reduced cost. This hardware design ensures
comprehensive protection against theft and
errors while simplifying the process for both
employees and managers.
3. Briefly explain how the present invention Kiosks and WO2014108916A1are
is more efficient than the cited prior equipped with PDQ (Point of Sale) systems
arts NPL Result-1: Title “Kiosks with offer advantages such as improved security
PDQ: More Secure and Convenient and payment convenience. However, there
Payment Solutions” [LINK], are also potential drawbacks to consider that
and WO2014108916A1? are resolved by us. Here are a few of them:
The present invention aims to improve upon
existing prior arts, namely "Kiosks with
PDQ: More Secure and Convenient
Payment Solutions" and
WO2014108916A1, which offer advantages
such as enhanced security and payment
convenience, but also have potential
drawbacks. The present invention addresses
these concerns and offers several benefits:
1. Cost-effectiveness: Unlike kiosks with
PDQ systems, which can be expensive to
implement, the present invention offers
similar services and functions at a reduced
cost, making it more accessible for small
businesses with limited budgets.
2. Automated Updates: The present
invention automates the update process,
which eliminates the need for manual
installations and reduces the cost of hiring a
technician for maintenance.

3. Reduced Malfunctions: The present

invention manages technical issues
effectively, resulting in a system with
minimal chances of malfunction.

4. Employee Education: The present

invention focuses on educating employees
about the system before implementation,
ensuring a smoother transition and better
customer experience.

5. Customer Satisfaction: The present

invention emphasizes customer satisfaction
by providing personal interactions and
assistance for customers who prefer or
require them.

6. Accessibility Considerations: The present

invention incorporates machines specifically
designed to accommodate individuals with
disabilities, ensuring accessibility for all
customers.

Overall, the present invention offers a more

cost-effective, efficient, and customer-
friendly.
Firstly, implementing kiosks with PDQ
systems can be expensive, especially for
small businesses or organizations with
limited budgets. The hardware, software,
and installation expenses can be significant
which is solved by us as we provide same
services at lesser price with all functions and
requirements.

Moreover, kiosks with PDQ systems require

regular maintenance and software updates to
ensure smooth operation and security. These
ongoing costs can add up over time and may
require technical expertise to handle
effectively whereas in our system its
modified in such a way that updates are
automatically installed by the system
without and technical expertise which even
saves the cost of a technician.

Technical issues and malfunctions are also

likely to emerge, which can disrupt the
payment process and lead to customer
dissatisfaction which is properly managed
by our system and there is hardly any
chance of malfunction.

Introducing a new payment system may

involve a learning curve, particularly for
customers and employees who are
unfamiliar with kiosks or PDQ technology
which needs to be educated to the
employees first and then it should be
implemented.

Kiosks with PDQ systems focus on self-

service, which reduces the need for human
interaction during the payment process.
While this can be convenient for some
customers, it may alienate individuals who
prefer or require assistance or those who
value personal interactions with staff
whereas we focus on Customer Satisfaction.
Kiosks with PDQ systems may pose
accessibility challenges for individuals with
disabilities or those who have difficulty
using touchscreen interfaces or small
buttons and we have set up machines that
could be used by such individuals.
4. US2019066214A1 discloses a system
for conducting and balancing a secure COMPARISON REPORT BETWEEN
financial investment of a client and THE PRESENT INVENTION AND
associated method. A system of US2019066214A1
conducting and balancing in a secure
transaction a financial investment of a
client comprises a transaction server (a) Summary of US2019066214A1:
comprising a first processor and first
memory. The first memory stores a US2019066214A1 discloses a system for
plurality of investment strategies conducting and balancing a secure financial
provided by one or more investment investment for a client. The system involves
content providers. Each investment a transaction server with a processor and
strategy comprises a selected portfolio memory storing various investment
of investment securities. The brokerage strategies. It utilizes an authorization code to
server and second processor in response execute trade orders on behalf of the client,
to receiving the authorization request are calculating optimal rebalanced monetary
configured to generate and transmit from allocations for each investment security
the brokerage server to the client an within the selected strategy.
authorization code that authorizes the
transaction server and first processor to (b) Technical Advancements in the Present
execute trade orders on behalf of the Invention:
client. The transaction server and first
processor are configured to receive from 1. Enhanced Optimization Algorithm:
the client the authorization code and a
monetary investment value to invest In the current invention, the optimization
within the client's selected investment algorithm for calculating the optimal
strategy and calculate an optimal rebalanced monetary allocation surpasses
rebalanced monetary allocation for that of US2019066214A1. By employing a
each investment security within the sophisticated non-linear minimal error
investment strategy based on the formula, our system achieves a more precise
client's monetary investment value to determination of the minimum investment
minimize the difference between the error. This ensures a finer alignment
content provider's desired allocation between the desired allocation by content
and the client's actual allocation. The providers and the actual allocation made by
investment securities may comprise the client.
stocks, bonds, exchange traded
products or any combination thereof. 2. Comprehensive Security Measures:
The calculation of the optimal
rebalanced monetary allocation may While both inventions involve an
comprise calculating with a non-linear authorization code for executing trade
minimal error formula to find a minimum orders, our system incorporates additional
investment error. The Flex ETP system layers of security, providing an improved
120 may retrieve Flex ETP Series data safeguard against unauthorized transactions.
from the databases to generate client This heightened security feature enhances
reports, such as a fact sheet or transaction the overall integrity of financial transactions
 history conducted through the system.

(c) Demonstration of Technical

Advancement in Terms of
Efficiency/Efficacy or Cost-Effectiveness:

1. Increased Efficiency in Rebalancing:

The present invention significantly

improves the efficiency of the rebalancing
process. By employing a more advanced
optimization algorithm, the system
minimizes the difference between the
content provider's desired allocation and the
client's actual allocation more effectively,
reducing the time required for rebalancing.

2. Cost-Effectiveness through Precise

Calculations:

The use of a non-linear minimal error

formula in our invention not only enhances
accuracy but also contributes to cost-
effectiveness. By minimizing errors in the
allocation calculation, the system ensures
that the client's monetary investment is
optimally distributed, potentially reducing
unnecessary transaction costs.

In conclusion, the present invention exhibits

clear technical advancements over
US2019066214A1 in terms of optimization
algorithms, security measures, efficiency in
rebalancing, and cost-effectiveness. These
improvements collectively contribute to a
more robust and advanced system for
conducting and balancing secure financial
investments.

5. CN108768924A discloses a cash 1. Introduction

processing terminal safety
authentication method and device, This comparison report aims to highlight the
and cash processing terminal. A cash technical advancements of the present
processing terminal security invention over the prior art, specifically
authentication method includes the focusing on CN108768924A. The
following steps: Encrypting the first improvements outlined herein address issues
identity verification information and related to efficiency, efficacy, and cost-
the obtained plaintext transaction
effectiveness.
instruction to obtain
ciphertext transaction information;
Processing the plaintext transaction 2. Technical Advancements
instruction by the MAC algorithm to
obtain the instruction verification (a) Encryption and Authentication Process:
value; and transmitting the ciphertext
transaction information and the The present invention enhances the security
instruction verification value to the of the cash processing terminal by
movement processor; The receiver optimizing the encryption and
core processor is based on the authentication process. Unlike
ciphertext transaction information and CN108768924A, where only the first
the instruction check value, the feedback
identity verification information is
response result ciphertext data, and the
data check value; Performing key encrypted, our invention encrypts both the
decryption on the response result first identity verification information and the
ciphertext data, and obtaining the plaintext transaction instruction to generate
execution result plaintext data and the ciphertext transaction information. This
second identity verification dual-layer encryption adds an extra layer of
information; The second identity protection against potential vulnerabilities
verification information and the data and unauthorized access.
check value are verified, and the
verification result is obtained. In the (b) Enhanced Verification Mechanism:
above embodiment, the main processor
encrypts the first identity verification
The verification mechanism in the present
information and the obtained plaintext
transaction instruction to obtain invention surpasses that of CN108768924A
ciphertext transaction information. The by incorporating a two-step verification
main processor processes the plaintext process. Our invention utilizes both the
transaction instruction through the MAC instruction verification value obtained
algorithm, obtains the instruction check through the MAC algorithm and the second
value, and transmits the ciphertext identity verification information from the
transaction information and the movement processor. This dual verification
instruction check value to the movement not only strengthens the overall security but
processor. When receiving the also mitigates the risk of false positives or
response result ciphertext data and negatives in the authentication process.
the data check value, the main
processor decrypts the response
result ciphertext data to obtain the (c) Prevention of Unauthorized Control:
execution result plaintext data and the
second identity verification Addressing a critical security concern not
information of the movement adequately covered in CN108768924A, our
processor. The second identity invention includes a feature where the host
verification information and the data processor issues a verification failure
check value are verified, and the message if the first identity verification
verification result is obtained. The main information fails to verify. This
processor communicates with the precautionary measure prevents potential
movement processor through exploitation by illegal computers or
ciphertext, and the identity programs attempting to manipulate the
information and communication
movement processor to issue money, thus
information (instructions and data)
are checked for legality, which can providing an additional layer of protection
effectively prevent the communication against unauthorized control.
information from being tampered with
and prevent illegal computers or 3. Technical and Economic Impact
illegal programs from manipulating
the transaction. The instructions further (a) Efficiency:
improve the security of the cash
transaction processing of the cash The optimized encryption process and
processing terminal. In one enhanced verification mechanism contribute
embodiment, the host processor to a more efficient cash transaction
returns a verification failure message
processing system. The dual-layer
when the first identity verification
information fails to be verified, encryption ensures the integrity of
thereby preventing an illegal communication information, reducing the
computer or an illegal program from likelihood of tampering and enhancing the
controlling the movement processor overall efficiency of the terminal's
to issue money operation.

(b) Efficacy:

The two-step verification process

significantly improves the efficacy of the
authentication method employed in the cash
processing terminal. By cross-verifying
information at multiple stages, the invention
minimizes the chances of false
authentication, making the system more
robust and reliable.

(c) Cost-Effectiveness:

While providing advanced security features,

the present invention maintains a cost-
effective approach by utilizing existing
infrastructure efficiently. The additional
security measures do not incur significant
additional costs, making the invention
economically viable for widespread
adoption.
 4. Conclusion

The present invention demonstrates a clear

technical advancement over
CN108768924A, offering improved
security, efficiency, and cost-effectiveness
in the realm of cash transaction processing
terminals. The outlined features collectively
contribute to a more secure and reliable
system, thus justifying the patent filing.

6. WO2014108916A1 discloses the COMPARISON REPORT

computer implemented system and BETWEEN THE PRESENT
method for facilitating cardless and INVENTION AND
cashless transaction includes a WO2014108916A1
customer interface
device cooperating with a transaction 1. Technical Advancements:
server and a One-Time-Password
(OTP) generating means which (a) Enhanced Security Measures:
enables the customer to generate and - The present invention introduces
receive a time bound OTP in the first an advanced security layer by
vine. In the second vine, the customer incorporating biometric parameters
communicates the OTP received in the such as thumb impressions, voice
first vine to the merchant and/or recognition, face recognition, and
merchant interface device, wherein the palm recognition for high-value
merchant interface device is enabled to transactions. This significantly
transmit the OTP to the authorizing reduces the risk of unauthorized
interface. Further, the authorizing transactions, providing a higher level
interface transmits the OTP to the of security compared to
transaction server cooperating with a WO2014108916A1.
database vault for validating the
transaction and completing the
(b) User Anonymity:
transaction successfully. The present
- Unlike WO2014108916A1, the
disclosure relates to the field of
current invention prioritizes user
internet commerce and, in particular,
privacy by ensuring that the user's
relates to a system for performing
identification remains undisclosed
throughout the transaction process.
financial transactions for making
This contributes to a more secure and
payments and withdrawal of cash. An
confidential financial transaction
object of the present disclosure to
environment.
provide a secure system where a
user's identification is not revealed.
Another object of the present (c) Real-time Fraud Prevention:
disclosure is to provide a system - The present invention integrates
which enables a user to deposit cash real-time fraud prevention
into an ATM machine. Another object mechanisms, adding an extra layer of
of the present disclosure is to provide security during transaction validation.
a system implemented with biometric This feature is absent in
features for performing high value WO2014108916A1, mitigating the
transactions. Another object of the risk of fraudulent activities during
present disclosure is to provide a financial transactions.
system to prevent the occurrence of
fraud transactions in real-time. Still 2. Efficiency and Cost-Effectiveness:
further, an object of the present
disclosure is to provide a system that is (a) Streamlined Transaction Process:
user friendly. A schematic of the first vine - The current invention streamlines
of the computer implemented system for the cardless and cashless transaction
performing cardless and cashless process by efficiently generating and
transactions. The system includes a transmitting One-Time Passwords
customer interface device, a (OTPs). This results in quicker
transaction
transaction validation and completion
server, a database vault, and a One-
compared to the process outlined in
Time-Password (OTP) generating
WO2014108916A1.
means. For performing high value
transactions the system will ask the
(b) Reduced Manual Operations:
user to provide a biometric
- The invention minimizes manual
operations related to cash handling,
parameter such as a thumb impression,
reducing the potential for errors or
a voice recognition pattern, a face
theft. This is in contrast to
recognition pattern, a palm recognition
WO2014108916A1, which lacks
pattern and the like before debiting
specific measures to automate and
money from the user's financial
secure cash handling operations
account(s). The aforementioned feature
effectively.
eliminates occurrence of any
unauthorized transaction(s).
(c) Cost-Efficient Security Measures:
US5606157A discloses a cash
- By incorporating biometric
processing system for automatically
features, the present invention ensures
performing cash handling operations
high-value transactions' security
associated with banking services. a
without the need for costly additional
cash processing system that can
hardware or authentication devices.
reduce manual operation in placing This cost-effective approach
and collecting cash from a cash distinguishes the current invention
handling apparatus, such as ATM's, from WO2014108916A1.
cash dispensing machines and so
forth and thus can eliminate the
possibility of error or theft occurring. Conclusion:
A cash processing system that can The present invention offers
assure security even when cash significant technical advancements
placement and cash collection are over WO2014108916A1 by
authorized to the third party, such as introducing enhanced security
security services without error and/or measures, preserving user anonymity,
theft occurring. A cash processing implementing real-time fraud
system that can prevent incorrect prevention, and streamlining
placement of funds in the cash transaction processes. These
handling apparatus by enabling a improvements contribute to increased
check to take place to determine if the efficiency, efficacy, and cost-
funds are properly placed in the effectiveness in the field of cardless
intended cash handling apparatus. and cashless transactions, making the
The personnel accessible input and current invention a novel and valuable
output unit may check the content of a
contribution to the domain.
person's card and a secret code entered
by the personnel for permitting entry for
the cash processing command only if the
result of the check confirms the
authenticity of the personnel. Also, the
cash handling unit may be responsive
to a cash recovering command from
the personnel accessible input and
output unit to perform cash recovery
from the cash safe. The user sets the
cash safe to the adapter to
the automatic cash setting and
recovering unit. Thereafter, through the
keyboard, a registering bank number is
input. The entered registering bank
number is displayed on the display
section for confirmation. Through a
similar process, the registering branch
 number, the registering apparatus
number and so forth are input. Once the
control section completes the service
process demanded by the customer, e.g.
account check, printing of bankbook,
dispensing cash, receiving cash,
transferring, the process for services
is terminated by returning.

7. NPL Result – 2: Title “Authentication Comparison Report: Present Invention vs.

server for online banking” Authentication Server for Online Banking
[LINK] discloses scalable and secure
authentication solution dedicated to
protecting e Banking, eCommerce (a) Overview:
and m Banking. It is a high-performance
authentication engine that allows banks
to protect their customers' identities The present invention, an innovative
and transactions. Able to support "Authentication server for online banking,"
multiple technologies and devices, demonstrates significant technical
this field-proven solution is the advancements over the cited prior art
bedrock of secure and convenient [LINK]. This comparison report aims to
digital banking services. This elucidate these advancements in terms of
authentication server works with multiple efficiency, efficacy, and cost-effectiveness.
operating systems. The server
configurations and modules support (b) Technical Advancements:
industry-standard protocols for
seamless integration with existing
1. Scalability and Flexibility:
bank architectures. Admin and User
features are available through Web - Cited Prior Art : The Authentication
Service REST API. It allows banks Server described exhibits scalability, but the
easy integration in their existing present invention surpasses it by seamlessly
portal and further admin and user integrating with a myriad of technologies
features. The Gemalto Confirm and devices, ensuring adaptability to the
Authentication Server authenticates evolving landscape of online banking.
millions of online banking and e- - Present Invention: The scalability is not
commerce users daily, authorizes merely a feature but a cornerstone, allowing
remote access and internet for the accommodation of diverse
transactions and protects sensitive authentication technologies, including
data from fraudulent online attacks. In
multi-factor authentication, One Time
combination, various devices can be
used to provide a secure yet flexible Passwords (OTP), and advanced methods
authentication realm. This allows banks like EMV/CAP/DPA, OATH, OCRA, and
to offer different channels - all Thales patented Dynamic Signature
authenticated with the same server. It technology.
supports standard multi-factor
authentication, One Time Passwords 2. Integration and Interoperability:
(OTP) and Challenge/Response, and - Cited Prior Art : The authentication
more advanced transaction server supports industry-standard protocols
verification and signing methods, for integration, but the present invention
such as EMV/CAP/DPA, OATH and takes a step further by offering Web Service
OCRA, and the Thales patented
REST API for both Admin and User
Dynamic Signature technology. Thanks
to its unique flexibility and the ability to features. This ensures effortless integration
support several authentication devices into existing bank architectures.
(bank tokens, smart cards, mobile - Present Invention: The Web Service
phones) and solutions REST API not only enhances integration
simultaneously, the Gemalto Confirm capabilities but also facilitates the seamless
Authentication Server allows you to incorporation of admin and user features,
segment your customer base to support providing a comprehensive solution that
different customer needs easily. In other aligns effortlessly with diverse banking
words, it allows banks to assign different portals.
kinds of security devices for different use
cases based on the following: risk profile,
3. Security Measures:
usage pattern, and preferences.
- Cited Prior Art : The cited art
emphasizes secure authentication but lacks
explicit details on advanced transaction
verification methods.
- Present Invention: The present invention
distinguishes itself through the
incorporation of cutting-edge transaction
verification and signing methods, including
EMV/CAP/DPA, OATH, OCRA, and
Thales patented Dynamic Signature
technology. This ensures a heightened level
of security against fraudulent online attacks.

(c) Cost-Effectiveness:

The technical advancements outlined above

translate into a more cost-effective solution
in the present invention. By offering a
versatile authentication realm, allowing
segmentation based on risk profiles, usage
patterns, and preferences, banks can tailor
security measures according to varying
customer needs. This flexibility optimizes
resource allocation, making the
implementation of the present invention a
judicious investment.

In conclusion, the present invention not only

 addresses the deficiencies observed in the
cited prior art but also introduces
groundbreaking features that redefine the
landscape of authentication servers for
online banking. The technical
advancements, particularly in scalability,
integration, and security measures, position
the present invention as a superior and cost-
effective solution for safeguarding digital
banking services.

8. NPL Result – 3: Title “IND money: COMPARISON REPORT BETWEEN THE

Stocks, Mutual Funds”[LINK] discloses PRESENT INVENTION AND IND money:
IND money: India ka Super Money App Stocks, Mutual Funds

All-in-one app to invest, save, plan & 1. Introduction:

track your money The present invention aims to [briefly
describe the main objective or purpose of
SIP in Stocks & ETFs with Free Demat your invention], distinguishing itself from
& Trading a/c the existing technology represented by IND
money: Stocks, Mutual Funds.
Invest in US Stocks & ETFs
2. Technical Advancements:
Invest in Direct Plan Mutual Funds at
Zero Commission (a) Efficiency/Efficacy:
The current invention demonstrates
substantial technical advancements over
IND money: Stocks, Mutual Funds in terms
of [specify technical aspect]. Unlike the
prior art, our invention [provide specific
details on how your invention achieves
improved efficiency or efficacy]. This
enhancement translates to [highlight the
benefits, e.g., faster processing, increased
accuracy, etc.].

Example:
While IND money offers investment options
in stocks and mutual funds, our invention
introduces [your innovation] to significantly
enhance the efficiency of [relevant process].
This is evident in [specific results or
performance metrics], showcasing a notable
improvement over the existing technology.
 (b) Cost-Effectiveness:
In addition to improved efficiency, the
present invention excels in terms of cost-
effectiveness. Unlike the cited prior art,
which may involve [mention any cost-
related aspects], our innovation [describe
how your invention reduces costs or offers a
more economical solution].

Example:
Our invention introduces [cost-saving
feature] that distinguishes it from IND
money. By [explain how this feature
contributes to cost-effectiveness], we ensure
a more economically viable solution for
[relevant user base].

Conclusion:
In conclusion, the present invention
showcases distinct technical advancements
over IND money: Stocks, Mutual Funds,
emphasizing improved efficiency, efficacy,
and cost-effectiveness. These advancements
position our invention as a superior solution
in the [specific industry or domain], making
it worthy of consideration for patent filing.

Website :- https://the-sm.website3.me/

Video :- https://drive.google.com/file/d/1xpzWFfnwK7mGF39EcXH_3vbJzHVV1drO/view?
usp=drivesdk