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.
