Using bar chart to make withdrawals easy in Banks

For banks, i would like to propose a priority scale based on percentage to automate withdrawals, making cashier's work simple. There should be a bar chart available in banking software, each vertical with three bars representing each denomination. In every vertical, the first bar represents the total value of the amount available for that particular denomination, Say 4,00,000 of 500 notes. Second bar represents number of notes available for that denomination. Let's say cashier has 800 number of 500 rupees notes. Length of the bar corresponding to the 500 denomination will match 800 notes. 

The bar chart represents the withdrawal of 2,57,205 rupees.

The third bar represents the number of notes, we are taking from each denomination and the corresponding percentage will be shown. All the cashier needs to do is adjust this third bar of each denomination up and down till the total of all the percentage points will be exactly 100. The third bar in each denomination will be allowed to go up, till it reaches the maximum notes of that particular denomination or the total percentage of all denominations reaches the maximum 100%. Just drag the bars at will till the total becomes 100%. There will be percentage points which will be fractional, but matches the whole number of denomination notes. There will also be a horizontal bar at the bottom of the bar chart, which grows as we choose the notes. It will be colored at parts, each part representing the sum value of each denomination.

If the cashier wants to round the number of notes to 100 notes, we can put magnetic marks on the third bar, as you drag it, each mark will be for every 100th note. Switch on magnetic marks, when necessary, because if u go nearby, it will pull the marker towards it. Cashier can even zoom in and out of the bars, if necessary. In this example, we switch on the magnetic mark, 77. 758% will have a magnetic mark, in case u want 400 notes of 500 denomination. The option for manually entering a number in the text box of the third bar, can be allowed, which will ultimately draw the bar chart.

We can even develop a real priority scale, where the cashier just has to put priorities from the scale of 1 to 10 for each denominations. With that scale, the system fills out all the denominations. Cashier just has to dispense the cash. That definitely can't be done in few days. It needs research and more time, which is out of the scope for this blog.

Wondering about space time

Since i am not a physics major, and know nothing about space and time. I was just wondering, does time decrease where the  body is able to move faster. Ability means, if we give same thrust to an object, in two different time zones, the place where time moves slow, the object is going to move faster. I say ability, not just when they actually are moving faster. Like in moon, i guess time slows down, not just because of less gravity. But also because of the ability of a body to move faster. In a very fast moving train in the earth, with constant gravity, time slows down because if we throw a ball it travels miles in matter of seconds. Is there a general pattern in the universe, where we can predict time at any point in the universe. Is it true, that time can stop at any point. Time stops, i guess is a myth. Let's explore time and space.

How to write a text in random positions in a page, useful in writing maths and science formulas

Come on. Just do a graph. simple. I will tell you how it will be easy to write code for the new modern Microsoft Office. Basically there will be two modes of writing. Writing simple text. Writing mathematical and scientific formulas. When you write a simple text, there should be a faint line shown, upon which u can write simple texts and that will be automatically converted to digital text, by doing handwriting recognition, which i have explained earlier. But when you write formulas,by manually choosing which mode you are using, just tap at the option on the top with a pen, the area will be converted to invisible graph. You can choose how many sizes of text you want, mostly it will be two,one normal size and one to write sub-texts. First, Programmers should choose the size of the graph boxes required for a letter or a symbol, based on study of all the required symbols.



So first let's say i want to write a chemical formula Sodium Bicarbonate. We will consider that N and a, needs six 3*3 Boxes each, whenever you write a symbol or letter, first it observes the area of the letter or symbol on the sheet and then converts the handwriting into digital letters in the particular area. What if someone's handwriting is big or small. Doesn't matter, the graph adjusts itself through your profile, and when you handwriting is big, the graph enlarges. We can set the number of sizes you allow for a project, so that all your letters converts itself to the nearest of two sizes, allowed by the administrator( in case you write exams). This may not increase your writing speed, but definitely does not reduce it. There are lot of advantages that you can erase text at will, or keep it at your clipboard,  scribble, do rough work right on top of the device, no matter at which page you are. The purpose of the whole writing device is to give a legible answer sheets( in case, you are writing your exam), no matter how you write. GO DIGITAL YAY.

How to find whether a news is fake or not

Actually to find the authenticity of a news. A debate should happen between, someone who posted the news and the organisation, which is in stake. We want people to vote whether the news is authentic or fake. How we are going to make that votes authentic?
We are going to allow authentic people to vote. How is that? Suppose there is a news about a chew gum brand X. If anybody who sees the debate is allowed to vote, there's a chance that, it is a fake account or he doesn't know anything about chewing gums. To make it authentic, we are gonna allow only people who has dealt in that area and experience in that field, for atleast 6 months. Everyone can choose areas of interest for maximum 3 fields, and atleast his/ her 5 friends should have acknowledged him in that field for a period of 6 months. No dormant accounts or new accounts. It's not that only experts should vote. But only their numbers will be shown. Popular vote, anybody can vote, no number of votes will be shown. Just a thin line, two colours to represent both sides. So, whoever gets maximum fake votes, everyday, we can put funny videos on them. If u r in WhatsApp, i think Facebook can connect to know areas of interest and can vote on them.

Fake news in WhatsApp

So, if u wanna stop fake news in WhatsApp, first we need to track the number of times, a same message is transferred. Suppose, we fix this as 20 times. 20 times in the hierarchy. After a message is transferred 20 times, WhatsApp will provide a small icon on the bottom of the news, " check authenticity". Only if someone who is among the 20 clicks this icon, the message will be taken to a website, lets say, fun with fake WhatsApp news. If someone clicks " check authenticity" and consortium of industries thinks it's not a personal message, only if the source of the news, participates in the debate, more forwarding will be allowed, otherwise, message will be frozen. And if the source participates, small icon under the forwarded message will be there saying " check debate". There will be debate in the fake news site. This " fun with fake news" site should be an open site, where every fake news is open in public with debate. Anyone can see, organisations can appoint people to make funny videos about these fake news. Remember, every fake news source is watched, because we have their number. If u keep on dumping fake news, WhatsApp will block the number.

There is this another issue. WhatsApp doesn't want to record who sent a message or in other words, who is the originator of the message. To solve that issue, first there are three types of messages. Short messages, private messages, public messages. Short messages, with fewer words, no need to track. If the message is long or it's a video, the user will be asked to choose the category of the message. If he chooses private messages, it will also not be tracked, with a disclaimer that if this message contains public news, it is fake. If he chooses public message, the message will be given an ID, track the ID.

Actually WhatsApp fake news prevention is better than earlier Facebook idea. Because, Facebook is not reading your news as far as fake news in my idea is concerned ( ha ha ha), unless a user asks for authenticity, for which the user has the right to know, since he received it. Coming how to find which category a news belongs. Why bother industry people, we will ask the person who asked for authenticity to put the category. Facebook will give you tags, generic and specific. Just put the tags, not necessarily one, you can put more than one. Like chewing gum, food and beverage, boomer. Then industry people will receive, verify and process.

What is Differentiation?

I am going to explain what is differentiation. I will explain it with a real life example. Suppose you are driving a car and you are climbing a small hillock, but you have put second gear all along and constant push in the pedal. I want to know what is the acceleration of the car at any given point. Speed changes as you move along, because when you climb the hill, speed is going to decrease, because gravity pulls the vehicle. When you reach the top and climb down with the same gear, the speed is going to increase, again because gravity pulls you. We will see it in a diagram
 
Suppose the car starts at the speed of 9 Kilometres/Hour ( For convinience ) from the foot of hillock and in 3 hours it reaches the top of the hillock. Now what differentiation is doing here. Differentiation helps you to find the acceleration of the vehicle at any point in the journey. Acceleration is nothing but how rapidly the speed of vehicle changes.

Now we will get into mathematics,
At point A, suppose the car starts at a speed of 9 kmph, which is at the bottom of the hillock. Supposing we are giving a certain push in the accelerator, speed keeps on decreasing and at point B, the car has stopped, we assume that it stops at the top of the hillock. After that, the speed starts increasing, because gravity increases its speed. If we put this graph in a mathematical equation, it would be y=(x-3)^2, where y is speed and x is time. The acceleration of the vehicle at any point is the slope of a tangent on that particular point.
Suppose, we want to calculate the acceleration of the vehicle after 2 hours, we have to draw a tangent at the intersection of x = 2 and the parabola. (Tangent is a straight line or plane that touches a curve or curved surface at a point, but if extended does not cross it at that point. Parabola is name of the curved graph.) The slope of that tangent is the acceleration of the car at that point. It is tedious to find the acceleration of the vehicle by drawing tangents and graphs. So guess, who solves it. Differentiation. If we differentiate an equation like this parabola, it will give a general formula, which will tells us the acceleration of the car( change in the speed of the car) at any point in time.
More mathematics,
We will study the graph, at Point E, the slope of the tangent to the graph is high and when it reaches the point C, the slope becomes lesser and lesser and it becomes 0 at point B. Again it starts increasing. 
Now we will try to differentiate this graph y = (x-3)^2 using graphic method, to actually understand why we get the differentiation formulas. If we differentiate this parabola, what we get is the general formula which tells about slope( acceleration) of the parabola at every point, as x ( Time) changes. We will plot three points in the parabola and find the slope at that three points.

We know that the slope of the tangent decreases slowly from point E to point B, where it becomes 0. So, there must be some point in the parabola, between point E and B, where the slope of the curve becomes 1. Plot a triangle, such that the adjacent side ( Time axis ) and opposite sides ( Speed axis ) are equal, and the hypotenuse side ( Tangent ) touches exactly at one point in the parabola. By trial and error method, we can find the point at which x and y are equal and solves the parabola curve. i.e if we substitute x and y in the equation y = ( x - 3 )^2, the equation solves. Since the opposite and adjacent sides are equal, the slope of the hypotenuse side is exactly 1. Since hypotenuse side touches at only one point in the parabola, it becomes the tangent to the curve at that point.

If we plot a line with x axis as time and y axis as slope of the tangent of the parabola at that point, we will get the following equation y = 2x - 6. [ Note : We can find that from equation y = mx + b, where m is slope. Since we know 3 points in the line, we can form the equation. ]

If we differentiate y = ( x - 3 )^2 , we get the same equation dy/dx = 2x - 6. So differentiation is nothing but rate of change. Why do i need a rate of change of speed ( acceleration ), because it will come handy in lot of places like launching a rocket. we need to know and adjust acceleration to put our satellites exactly in the orbit.

We will get into sine curve
If we plot rate of change of sine curve ( i.e slope of tangent to the curve ), naturally we get a curve and it happens to be cosine curve.
 

Silly idea for little cents

I just thought of a silly idea solving a simple problem. How to deal with paisas or cents, when you don't have many coins. It may be applied while buying bus tickets, in giving change to petty shops or wherever you need to give change. The idea is to start a wallet or add this feature to already existing wallet. Just reduce the security checks, when we are using the wallets of change. Just load the change wallet with multiples of 100 rs, if in India. As long as there is money in change wallet, you can use it, without actually transferring any money. Suppose i load my change wallet, with 100 rupees. It goes to the common change wallet. I board a bus, conductor says 13 rupees, you give him 10 rupees in cash and 3 rupees through change wallet or 13 rupees through change wallet. To transfer money just connect the device of conductor and passenger, with whatever technique you use. Bluetooth or simple taps, whatever. Then conductor types 3 rs in his device and receives a 3 digit code. Passenger types the code in his device. 3 rs transfer. Yes or No. Press Yes. That's it. Money transferred. Conductor can also give change the same way. Actually only digital money. There is a common change wallet, which monitors all transactions, but transfers actual money, only when you need it. To ur Bank account or main wallet. So i have 100 rs while i start a day, i go to market, buy some vegetables, do 5 transactions, board a bus 2 transactions. Spend 23 rupees. Collect 13 rupees. Net value 90 rupees. No need to encash it. Use it tomorrow. No actual money transfers, only virtual money.

Balancing the loss caused by Non- Performing Assets in banks.

This is a hot topic and i have a solution to this problem without getting into the numbers, which needs research. So first, if a bank lends a loan to a firm, it should be categorized according to low risk, high risk and the prospects of its growth of different sectors. The idea is to put a percentage point, which i would call Risk- Profit Share Percentage Point(RPSP) or whatever is apt, based on that research. RPSP can be calculated every year, by a separate entity or a consortium of banks. So, if we put this RPSP as 2%(needs research) to say mining industry. If a mining company gets a loan from bank, it has to pay RPSP percentage along with the interest to the bank, only if it makes profit. If it makes loss, this RPSP percentage is exempted. If it goes for Insolvency code, also RPSP waived, bank even makes haircut. This RPSP will be high for a risky business. This RPSP will be purely based on Net Profit and how much the loan contributes to its whole asset. So, if a company makes profit, we get a little percentage to compensate for the loss if a company goes bankrupt.

How to deal with fake news in social media

My idea may not be profound or a complete solution. Just a direction I thought of. So basically no news shared in social media like Facebook, Twitter or even YouTube can be strictly classified as fake or not. We can only facilitate a authenticity debate. Coming to the idea. First, if somebody posts a video or something, he has to classify on what topic he is posting, like US presidential election or simply about a jelly. Like politics -> US -> Trump. Or food-> jelly -> companyA. The topic posted on will have Trump or companyA as title. Other details will go to a consortium of companies or organisations who has a foothold on social media. Once a news, considered fake or not is posted in social media about companyA, it will be notified to companyA. You may ask there may be huge amount of news posted about companyA at a particular time. So, the posts which is highly liked or shared is all that the company is bothered, not about posts which has a few sharing. There will be descending order of most shared posts about companyA. Start from the most shared to the least shared. So the idea is once a post is identified belonging to a company, the company will be notified about it, it will be screening it, if it finds the news fake, it has to start a "authenticity debate". So every post will have two more icons, "originator" or whatever you call the guy who originally posted it, not somebody who simply shared it, and " authenticity debate". Authenticity debate will be only between originator and companyA, otherwise if u include everybody, it will be a trash. CompanyA can put videos, links or whatever to tell their viewpoint or put enough evidence to say the post is a fake news. This debate once done as approved to be over by both parties or once a time limit is over, will be shared again with the recipients with the debate. Because you may ask once the news is spread, it's already viewed. Only when you press authenticity debate icon, you can view the debate. Once the viewers view the debate, they can choose two options, fake or not. This option is Not to delete the post, but to show the viewers who are viewing posts from a particular guy, whether he is doing the job of putting fake news all the time. There will two coloured lines in every post from this guy, indicating accumulated viewers scoring his authenticity and another all organisation scoring his authenticity. You can ask what if someone creates a fake page for every fake news. There is no credibility to his news as indicated by his coloured line and also you have to again add whole lot of people, to again spread fake news.

World without remembering passwords

This technology I am going to tell is based on bio-metric with more research to make it more robust. So first you need to have a wrist band or watch or health band in your hand. This band will identify with the owner based on biometrics like colour of your skin, complexion, grip on your hand, hair on your hand, length of hair as it grows, thickness of hair, distance between two hair strand, position of hair strand, pulse in your hand and new biometrics which can be tested in ur hand. In the future, I hope they scan your DNA. First we will consider offline scenario. So, when you are configuring Microsoft Windows, first you need to sync it with Microsoft watch ( hopefully soon), once you are done, there will be a password generator app in the watch as well as in Windows. It will generate password which will change every 2 minutes. Different algorithm for different users. You can update and change password generators any time. You can update only both at a time and keep it in sync. So every time you want login. Open Microsoft app in the watch. Ask for password , it will check your biometrics if found matching, it will generate a password and give it to you. Login. Online is much better, because you don't need to worry about whether password generator hardware is broken or not. In the future, may be there be a common password generator for mail, Internet banking and on and on so you install the app in your watch you click your intended option like hotmail, it checks your biometric and generates a password. Same as before. You can also make this password entering automatic. No need to manually enter. Even if loose ur watch, nobody can use it. You will be well aware if u have lost the watch, than cellphones. You can check the liveliness of your hand, whether it is live tissue or fake substance, video or whatever by asking the user to press the top of the watch at a point displayed by a compass on the screen. Campus will point to different points on the circumference during each check. Capture the picture and the video to check the liveliness of the hand.

If you say that it is possible to hack a watch. Let's make the watch simply a device to get your biometrics, it can work only online. Whenever you need a password, your device will take a picture of your hand and collect liveliness data. It simply sends the data to the server. Server holds all the biometric data. You can't hack a server, that much easily. It gets hardware-software combo information of the watch which will itself change every 10 minutes, not revealing anything about it to the user and biometrics. This information is a combination of software and hardware. This software uses thousands of algorithms, which changes from watch to watch and time to time. So the server compares biometric and encrypted hardware-software combo info with server data and sends you a password, which will last only 10 minutes. Even if you bypass this, which is impossible, I guess, the server will first send a beep signal to the watch, whenever some login happens, and only if you press a button in the watch, will a login happen. We can even set the time how much time a login last, before session expires. If you set half-an-hour, a small drop-down box comes every half-an-hour and asks for the current password. If you fail to provide latest password, it will logout. Also, if you want to change a setting, like time limit for logout. You have to enter new password and this will be generated immediately without waiting for 10 minutes. I think this is already existing procedure to ask password again. Only difference is a new password is created.

So basically, there is always a race between hackers and software producers. Who runs ahead will be the winner. If u are complacent and stand in a place, certainly one day hackers will run ahead of you. Software should always evolve with the time. No technology is unbreakable beyond a certain time.

Suppose military wants to use this technology. And u r caught in enemy territory with this watch, you have to utter a code( whatever u set), like AFD25, it will permanently lock the watch. Microsoft can even develop custom watches, which looks like ordinary or luxury watches, with this technology, for a premium fees for different needs, as required.

Instant Banking

In this idea, we can explore a new concept, never before tried in banks with currency notes. Here, Customer who wants to deposit from small amount of money like 100 rupees to 10,000/day can use this facility. The amount to deposit should be a single note( Notes of Rs.100,Rs.200,Rs.500,Rs.2000). A single customer can deposit up to 5 notes in a day.
First, the customer has to install Mobile Banking App in cell phone. The Mobile Banking App will have all the details of the customer’s account. In that App, a new option for scanning currency notes has to be provided. The App scans the currency note, the customer wants to deposit. App will take a picture of the currency note and reads the currency note number. It verifies the note number by asking confirmation from the customer. Currency Notes picture and number will be sent to Bank’s Central database. After this, the customer should go to the bank and simply deposit the currency note in a specially designed Currency Collector Machine. This Machine will receive currency note numbers from central database, updated every 5 minutes. When a customer feeds the Currency Note he has scanned in Mobile Banking, Currency Collector Machine simply scans the note and checks whether the note is not fake, not damaged. Then, checks if a match is found in the database, displays the name of the Account Holder in the display attached with the device. If Name is correct, the customer presses ok button. Then, the Transaction is approved and a confirmation slip with account number and a transaction number is ejected. The customer takes the slip and leaves. Once the transaction is approved, the Currency Note Number will be deleted from the bank’s central database and the note can be recycled for future transactions. If for some reason, the Currency note did not match ( the only criteria for approval), the note is ejected and returned back to the customer. Fake notes can be confiscated. Once approved, account will be updated with the money deposited within 5 minutes. Approval through sms will be sent to the account holder’s Cell Phone. This whole process will take maximum 10 seconds per transaction. There is no necessary for different banks to hold a common centralized database. Each can have it’s own separate Central Database. Because, even if same note is scanned in different banks, it has to be deposited in a bank to make the transaction complete. Once a Customer, scans a Currency Note in their mobile App, they will be allowed to hold on to the note for a maximum of 5 days. After that, the App will delete the hold and he has to scan again, with the Currency note (Same note, earlier used or a New note. It makes no difference). If a note is
scanned in a particular bank’s mobile App in an particular account, the same note will not be allowed to be scanned in a different account in the same bank. For recycle, either the time period of 5 days is exhausted for the first scan or the Currency Note is deposited and approved by the Currency Collector Machine.