DESC:FIELD OF THE INVENTION [001] The present invention relates to the field of the cashless transactions. The invention more particularly relates to an improved system for making or getting fully secure, recorded and fast payment via its easy to use online procedure for any blind or illiterate user. BACKGROUND OF THE INVENTION [002] The following description provides the information that may be useful in understanding the present invention. It is not an admission that any of the information provided herein is prior art or relevant to the presently claimed invention, or that any publication specifically or implicitly referenced is prior art. [003] A few types of online payment methods / procedures are already known in the art like prepaid cards, bank transfer, E-Wallets, UPI, mobile payments, Crypto currencies and Ecommerce payment gateway etc. All these systems and procedures have given lots of benefits along with fast speed for an online payment activity. But still a lot of issues have been faced by users majorly like 100% dependency of literary education, ownership of at least a mobile and to remember different PIN or passwords etc. The present invention provides an easier payment method that balances dependency and availability of mobiles, internet, abilities of users along with reliability, confidence, security and speed of payments, a system for the same, and a recording medium storing a program for the same. In one embodiment or a financial platform gives accessibility to each type of currency users including illiterates and blinds even they don’t have mobile or don’t know that how to operate an online payment system or mobile. [004] The present invention overcomes many drawbacks of security, privacy, confidence level of low educated or uneducated users, accessibility by blind users, educational ability, usability by kids with necessity of owning a mobile, mobile charging, mobile network and internet etc. These all above drawbacks are managed in this novel system by providing both functions of “paying” and “receiving” payment and third party payment within the same mobile application / ecommerce payment gateway to make a payment by scanning this new invented device’s code by any mediator using a smartphone or computer via authentication by device’s owner through his/her finger print, face lock, PIN, OTP, screen pattern, voice sample or any combination of a pair of these as multilayer security etc. In the same way, to receive the payment from someone device owner asks payee to pay him by scanning his device’s code. In both the cases updated balance amount shall be displayed in his device instantly for his instant understanding and confidence without any necessity of mobile notification or something. Educated and literate users can see the balance amount in its display and illiterate or blind users can check balance by clicking on a button to hear in audio form of preferred language. [005] Highlights of issues users faces in current online payment transaction systems. Problems / issues are faced in current online payment transaction systems are listed below in two parts, as section A for issue in payment card and POS machine procedure & Section B for mobile Application base and payment gateway procedure. [006] Issues in payments via cards on POS machine or website base payment gateways 1) In current conventional cards in present payment transactions often begin used for making a payment using a card like, credit card, debit card, prepaid card for swiping the payment card in a payment card terminal for personal identification to initiate a transaction. Such transactions may not be particularly secure if an unauthorized person has somehow obtained the payment card. 2) Conventional cards in present payment transactions often begin with a user taking a payment card, and then inputting his card number into a checkout page on a Web site. Such transactions may also not be particularly secure, if the information on the card is somehow obtained by an unauthorized user. Further, the need of manually entering data into the checkout page is time consuming and inconvenient. 3) For security in conventional card system, after issuing card banks are sending card and default PIN separately to applicant via courier to increase the safety level, but still a lot of frauds have been daily noticed of not receiving card-PIN and used by someone other and charges deducted from applicant’s account. 4) In conventional card system a lot of frauds happen via misuse of identification documents being submitted for some other reasons but then getting used to issue other cards. 5) Conventional card and POS machine system or computerized website system is not user friendly for uneducated, low educated or visually-enabled persons. 6) Conventional card gets damaged due to minor scratches & magnetic field etc. and need to be replaced after a certain validity period. 7) Trust and confidence level of user is very low as compared to cash transaction and that low confidence also depends on some other notification messages on mobile or email etc. 8) In conventional card and POS machine system, POS machine is an extra investment for a merchant and that too is needed to be electrically charged and connected to internet. 9) For OTP based payment security via conventional card user need to have an electrically charged mobile device with active SIM card. 10) Data security is on risk if someone comes to know user’s PIN code. 11) Data security is on risk in case of robbery and forcefully getting PIN code. 12) Because of involvement of computer, smartphone and ordinary mobiles, this conventional card / plastic money system is not so affordable for poor people. 13) The current conventional card system is majorly used for making a payment to someone, not for receiving the payment from someone. 14) Card cloning is also a big threat in conventional payment card system. [007] Issues in payments via different apps in smart mobile phone using barcode, QR cods or phone number 1) The current Apps and mobile, computer based systems as mentioned in inventive steps above at page number 45 are often begin used for making and getting a payment using a computerized application generally called an app as like anyone of above used in mobile via internet worldwide. 2) In this app based payment system, user has to scan a computer generated code as like barcode, QR code, phone number and personal identification number etc. to identify payment receiver’s / payee’s identification and to proceed for the payment secured by some PIN code or OTP etc. 3) These Apps based systems bound users to have a smart phone to make the payment transaction from bank account or within App established virtual wallet. 4) To have a smart phone for making such transactions is not an economical option for user, especially for poor, lower or middle class users. 5) The compulsion to use a normal/feature mobile phone for certain phone numbers, SMS and OTP based payment system is also a high cost option for poor people and difficult to access by illiterate or less educated users. 6) To insure any time transaction capability, user is bound to keep the mobile electrically charged and connected to internet every time. 7) In case of mobile theft or lost, user’s data is not secure, so user has to rush to police for complaint, account blockage etc. to prevent potential loss, this creates a panic situation for user. 8) In case of theft, stolen, lost, robbery, snatching, damage or non-functioning condition of mobile, user has to spend his money again to buy another smart phone. 9) During the period of arrangement of a new smart phone, user becomes disabled to use his account or wallet and bound to use cash. 10) Phone number base identification for transaction creates new threats of getting personal information spread to unwanted person and this becomes a bigger issue especially for female users. 11) This App or card based payment system is not able to give similar kind of confidence as like in a cash transaction to an uneducated or low educated persons. 12) Touch screen based smart phone App system, computer based payment gateway system and card base payment systems are not accessible to visually- disabled users. 13) Necessity of a smart phone is giving an excess to the cons, frauds, hackers and scammers for illegal transaction by sending some fake information links, guiding on phone calls to do some action, click on some particular function and sharing passcode / OTP to unaware and inexpert users. 14) Data security is on risk if someone comes to know user’s PIN, passcode or screen lock of smartphone. 15) Because of involvement of computer, smartphones and ordinary / feature mobiles, this App based money transaction system is not so affordable for poor, uneducated and low educated people. 16) These currently running payment transaction systems / procedures cannot be handover to minors / children for their penny expenses for excessive use protection, security reasons and potential loss of costly device. 17) Mobile phones based current payment option user cannot handover their mobile to someone (Even to a very trustworthy person) in case of any emergency or support required from them, due to security of other personal information in mobile as like personal photos, videos, documents, screenshots, call history, chat history, web search history, personal notes, personal creations, schedules, contact list, and social media accounts etc. [008] To overcome from all above drawbacks, the present invention comes with novel procedure of easier payment transaction system. This new invention provides the solution of all above problems / issues as described above and enrolls maximum number of currency users by providing this novel procedure of easier usability to educationally last-liners and blinds without a core dependency of mobile phone, computers and compulsion of owning internet by every individual. Also as per our research, we have come up to the conclusion that there are various types of currency users like highly educated, low educated, uneducated, only literate, illiterate, blinds, deaf, rich, poor, local citizens, foreigners, individuals, organizations, willing and unwilling users etc. [009] New payment gateway / App software for computer and mobile is developed with many novel features for ease of doing hassle free and secured payment transactions with ultra-level security by lowest educated user or even blind users. This system is eligible for B2B transactions, B2C transactions, B2B2C transactions, P2P transactions and C2B2P transactions also. Therefore, it would be useful and desirable to have a system, method, apparatus and interface to meet the above-mentioned needs. OBJECTIVE OF INVENTION [010] The main objective of the invention is to provide an improved online payment system to enrol maximum number of physical currency users. [011] Another objective of invention is to provide a very quick and secure payment system to every uneducated and blind individual. [012] The further objective is to reduce dependency on smartphones to save public’s money. [013] The further objective is to bring unrecorded transactions on record to insure maximum due tax collection. [014] The further objective is to reduce cash dependency and saving annual currency printing cost of Govt. [015] The further objective is to provide safety to user from money lost, theft, snatching, robbery and frauds etc. [016] The further objective is to connect all currency users to banking system by providing an easy, simple, fast, secure, confident and any time any location service. SUMMARY OF THE PRESENT INVENTION [017] The present invention relates to the field of banking system, more particularly it’s related to online money transaction system. The present invention relates to the objective of enrolment of maximum number of currency users into online banking system by providing this novel system by increasing user’s confidence as compared to current available conventional options performing in society with current status of infrastructure, education and ability level of users. The present invention mainly is a combination of an electronic device and an advanced / upgraded mobile application to help uneducated, blind and mobile phoneless users to be able to do online / cashless transaction. A person who doesn’t have any mobile phone or mobile number to be able to do online payment with confidence and hassle-free after being blind or uneducated. To get this happen, this present invention discloses the embodiment of its main key part / function of its individual hardware device which is not a part of any computer or mobile or any other functioning system in a payment process. This is named as RUPISTICK and this displays the user’s live account balance value instantly in its display area numerically as like a conventional calculator shows. It receives figured data from centralized data center and displays the balance amount on its screen. Size, shape, color, type, style or language of the letters can be anything as per choice. It has two variants as one only for display and second for display + speaker. This independent device has only function of displaying or display + audibly telling live account balance status. This device has no other actionable capability from its side other than giving its identifiable information via its serial number, Bar code, QR code or any other image kind of procedure. This device is also capable to use for making a payment at any conventional payment system as like via prepaid card and debit card at online or infrared POS based machine and telebanking based payment system by using its hardware device information as prepaid, debit card or credit card. [018] Another embodiment of this invention is its mobile app that allows its users to make payment at any conventional UPI based payment system as like QR code based, bar code based, phone number based and its own novel function of RUPISTIK number based online systems, along with its another novel function of getting payment from an illiterate and blind person who do not have any mobile too, through its function of getting payment and landing page for authentication via preconfigured security data matching as like fingerprint, PIN, OTP, Eye-scan, voice sample, any combination of these or a multilayer combination of any above. [019] In this respect, before explaining at least one object of the invention in detail, it is to be understood that the invention is not limited in its application to the details of set of rules and to the arrangements of the various models set forth in the following description or illustrated in the drawings. The invention is capable of other objects and of being practiced and carried out in various ways, according to the need of that industry. Also, it is to be understood that the phraseology and terminology employed herein are for the purpose of description and should not be regarded as limiting. [020] These together with other objects of the invention, along with the various features of novelty which characterize the invention, are pointed out with particularity in the disclosure. For a better understanding of the invention, its operating advantages and the specific objects attained by its uses, reference should be made to the accompanying drawings and descriptive matter in which there are illustrated preferred embodiments of the invention. BRIEF DESCRIPTION OF THE DRAWINGS [021] The invention will be better understood and objects other than those set forth above will become apparent when consideration is given to the following detailed description thereof. Such description makes reference to the annexed drawings wherein: [022] FIG. 1-7, illustrates a schematic diagram of various components and looks of the hardware of device and indicating those functions, in accordance with an embodiment of the present invention. [023] FIG. 8-10, illustrates a schematic diagram of the procedure and steps taking place in a payment transaction process, in accordance with an embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION [024] While the present invention is described herein by way of example using embodiments and illustrative drawings, those skilled in the art will recognize that the invention is not limited to the embodiments of drawing or drawings described and are not intended to represent the scale of the various components. Further, some components that may form a part of the invention may not be illustrated in certain figures, for ease of illustration, and such omissions do not limit the embodiments outlined in any way. It should be understood that the drawings and detailed description thereto are not intended to limit the invention to the particular form disclosed, but on the contrary, the invention is to cover all modifications, equivalents, and alternatives falling within the scope of the present invention as defined by the appended claims. As used throughout this description, the word "may" is used in a permissive sense (i.e. meaning having the potential to), rather than the mandatory sense, (i.e. meaning must). Further, the words "a" or "an" mean "at least one” and the word “plurality” means “one or more” unless otherwise mentioned. Furthermore, the terminology and phraseology used herein is solely used for descriptive purposes and should not be construed as limiting in scope. Language such as "including," "comprising," "having," "containing," or "involving," and variations thereof, is intended to be broad and encompass the subject matter listed thereafter, equivalents, and additional subject matter not recited, and is not intended to exclude other additives, components, integers or steps. Likewise, the term "comprising" is considered synonymous with the terms "including" or "containing" for applicable legal purposes. Any discussion of documents, acts, materials, devices, articles and the like is included in the specification solely for the purpose of providing a context for the present invention. It is not suggested or represented that any or all of these matters form part of the prior art base or were common general knowledge in the field relevant to the present invention. [025] In this disclosure, whenever a composition or an element or a group of elements is preceded with the transitional phrase “comprising”, it is understood that we also contemplate the same composition, element or group of elements with transitional phrases “consisting of”, “consisting”, “selected from the group of consisting of, “including”, or “is” preceding the recitation of the composition, element or group of elements and vice versa. [026] The present invention is described hereinafter by various embodiments with reference to the accompanying drawings, wherein reference numerals used in the accompanying drawing correspond to the like elements throughout the description. This invention may, however, be embodied in many different forms and should not be construed as limited to the embodiment set forth herein. Rather, the embodiment is provided so that this disclosure will be thorough and complete and will fully convey the scope of the invention to those skilled in the art. In the following detailed description, numeric values and ranges are provided for various aspects of the implementations described. These values and ranges are to be treated as examples only and are not intended to limit the scope of the claims. In addition, a number of materials are identified as suitable for various facets of the implementations. These materials are to be treated as exemplary and are not intended to limit the scope of the invention. [027] Embodiment of this small, thin, portable, amount displaying, (verbally) speak able and waterproof device as a hardware named as "Rupistick" along with introduction of PAY>TO and GET PAYTO under third party payment transactions option. In this feature mobile owner to play a role of mediator only, his/her account shall not be deducted or created for such activity. The App may have the option to choose third party commission option to apply for such transaction and a preset percentage of transaction amounts to be deducted from payer’s account and credit in mediator’s account. The App has all other conventional feature of mobile or different recharges, bill payment, ticket booking, shopping, balance transfer, link with ordinary bank account, Add money, Balance & payment history, fast tag and to have its online shopping mall etc. The App has all features to provide all banking facilities within the app online like, applying for loan, repay of loan, creating / braking FD and account statement etc. All possible banking services as example described in above point shall be protected via set passcode by user / account holder. App insures 100% privacy of user for his/her transaction details. Only in case of any criminal offence such details to be shared with legal authorities with a special order and approval. Skin color, type, design, logo, icons and location of placement at app pages can be anything as per design suitability and choice of patent holder. This App is a multi-lingual App, providing options to select a language form the list of available languages to operate. This App is providing facility for operating multiple accounts in a single mobile phone. App user to choose account option to proceed for login in available list of accounts already added or to add another account. For adding an account App user to scan Rupistick’s QR code or manually enter the Rupistick’s number. For adding a new account, user to identify his/her through authentication process of set passcode by him. For making any transaction, user to authenticate his/her confirmation every single time for security. Accounts can be set as primary account and other accounts. Primary account can be always logged in as per choice or to logout automatically once exit the App. Additional / other accounts to require every time login authentication to insure 100% safety / restriction of account balance and payment history privacy and to logout by default once exit. In this new invented App, user has option to scan any of this new rupistick device code to get his identification details to pay from account and can scan code or feed identification number of receiver to make a transaction. In third party payment activity App user’s account will not be affected and no records will be mentioned in his account transactions, A separate record data can be saved as third party transaction or so. Embodiments of the invention are directed to systems, apparatuses and methods that can utilize mobile devices (e.g., smart phones) with QR or barcodes to conduct payment transactions. [033] STEPS FOR GETTING A PAYMENT FORM A RUPISTIK TO AN ORDINARY BANK ACCOUNT. i. Computer operator to reach at home page of this payment gateway, ii. Payment gateway home page asks to insure a Wi-Fi system / Hotspot is ON. iii. Computer operator finds two options RECEIVE FROM and PAY TO. iv. Operator to click on RECEIVE FROM for getting the payment. v. Operator will get Rupistik as option to choose>>>>> vi. System will ask to scan the Rupistik’s QR or Bar code by a portable scanner or to enter Rupistik number to get payee’s information. vii. System will ask to feed the amount of transaction to proceed. >>>>>> viii. After proceeding system will take operator at authentication page for authorization of Rupistik owner via PIN, OTP, Finger print, Eye scan, voice sample etc. ix. Operator to help Rupistik owner to provide KEY Pad for entering PIN, OTP, finger print scanner, eye scanner, voice sampler as per set and available options to authenticate the payment. x. After authentication amount will be credited in receiver’s account and deducted balance information will reach to Rupistik via Wi-Fi and amount will be displayed in Rupistik. [034] STEPS FOR GIVING PAYMENT FROM AN ORDINARY ACCOUNT TO RUPISTIK. i. User to go to his banking home page and can add a payee by choosing account group as Rupistik and entering Rupistik number or scanning it’s code via portable code scanner as like in shopping mall billing counter. ii. User to follow his banks procedure to proceed accordingly. iii. Rupistik user will get the notification on his registered mobile if using and latest balance will be displayed on Rupistik’s screen once Rupistik is in network area. iv. This is a similar payment transaction as like making a payment to someone via any ordinary method of NEFT, IMPS, RTGS or online transfer etc. [035] STEPS FOR GIVING PAYMENT FROM RUPISTIK TO RUPISTIK. i. Computer operator to reach at home page of this payment gateway, ii. Payment gateway home page asks to insure a Wi-Fi system / Hotspot is ON. iii. Computer operator finds two options RECEIVE FROM and PAY TO. iv. Operator to click on PAY TO for making payment.>>>>>>>> v. System will ask to scan the Rupistik’s code you want to PAY TO vi. System will display the account information of Rupistik at screen and >>>>>>> vii. System will ask to choose the options for PAY FROM viii. User to choose option Rupistik from dropdown or list of the banks. ix. System will ask to scan PAY FROM Rupistik’s code to proceed if not added your details already. x. System will ask to feed the amount of transaction to proceed. >>>>>> xi. After proceeding system will take user at authentication page for authorization using his PIN, OTP, Finger print, Eye scan, voice sample etc. xii. After authentication amount will be credited in receiver’s account and deducted balance information will reach to Rupistik via Wi-Fi or other source of internet and amount will be displayed in Rupistik. [036] ACCESSIBILITY I. This procedure is made as a solution of technical demand, educational eligibility, and level of internet infrastructure, economic capability / affordability and operability. II. This system can be operated by very low educated person and educationally lowest level person can also be able to do banking with the help of a low educated persons. III. This system is very easy to use for highly educated, educated, low educated, uneducated, illiterates, blinds, deaf, olds, youngsters, kids, any gender or any age users. IV. This system is very easy to use in urban area, rural area, remote area, forest area, mountain area, sea area and space area wherever internet is available. V. Device holder will not be charged for internet use in the process of payment transaction because it uses a very small data and that too with the permission of App user merchant or individual via Hotspot WiFi. [037] AFFORDABILITY I. To do commercial transactions via this system, individual is not bounded to use a smart / other ordinary feature phone or computer system. II. Money exchange, top-up, bill payment, money transfer and recharge etc. can be done via any public use computer or facilities with 100% account security. III. A very low number of smartphones can cover entire group of users and bring them on this online transaction system. IV. This system is very low cost and affordable to be used by any rich or poor user. V. This is also easily retainable at a nominal cost in case of lost, damaged, and stolen or malfunctioning. VI. This system is having eligibility of reducing user’s time and travel expenses of bank operations. VII. This system gives opportunity to user to save his / her time and do some other jobs. VIII. After this system, physical currency demand will become negligible and government can save its currency printing and relevant expenses. IX. This also saves the time, space and cost of cash transportation, safety and security. X. This also saves expenses of buying wallets for keeping currency notes. [038] SECURITY I. The devise used in this commercial transaction system is fully secured for owner with self-generated PIN, finger prints, self-chosen patterns, face lock, eye scanner and QR / Bar code etc. II. User is free to have a choice to use any of above, any two of them or more combinations of above or all of them as security-key for his data security. III. User’s data in this system is totally useless for others in case of lost, stolen, theft and snatching etc. IV. Finger print, face lock, or eye scan are the perfect security locks for uneducated and blind users. V. Reverse or secondary password facility to get escape from any unwanted situation of being forced to give password. Emergency password will allow them to complete the transaction but will send an notification to bank and alternate number and in future it can be linked with police helpline / data center number as well. VI. User can carry any amount of money in this device anywhere any time. VII. The device is designed as “ON CHOICE” scanable and water proof. [039] OPERABILITY I. The device can be used as conventional plastic money cards as well for online payment transactions. II. This device has its readable number in raised letters to give more identification to blind users. III. It has an inbuilt digital display showing balance amount in wallet / account by default or on demand. IV. It also has a speaker to pronounce balance amount in audio form on one click for blind users. V. The device can be powered by a small DC cell or small solar panel as well. VI. User can carry this device hanging in neck or in pocket every time without any threat of any type of radiation. [040] It is to be understood that the above description is intended to be illustrative, and not restrictive. For example, the above-discussed embodiments may be used in combination with each other. Many other embodiments will be apparent to those of skill in the art upon reviewing the above description. [041] The benefits and advantages which may be provided by the present invention have been described above with regard to specific embodiments. These benefits and advantages, and any elements or limitations that may cause them to occur or to become more pronounced are not to be construed as critical, required, or essential features of any or all of the embodiments. [042] While the present invention has been described with reference to particular embodiments, it should be understood that the embodiments are illustrative and that the scope of the invention is not limited to these embodiments. Many variations, modifications, additions and improvements to the embodiments described above are possible. It is contemplated that these variations, modifications, additions and improvements fall within the scope of the invention ,CLAIMS:We Claim: 1. A cashless transaction device comprising: a magnetic data chip for storing device and owner's identification record; a mini SD card for storing data of account balance; a display unit for showing account balance digitally; a power bank for supplying power to the device; an antenna for receiving internet network from mobile app user's hotspot or any other source; a readable identification number in flat or raised letters; a CVV number for securing transactions; an identification QR code or bar code or the combination of both or any other computer-generated code; a magnetic field protection cover; a tie hole for hanging, safety form lost, missing, etc.; and a finger-print based power switch for further security. 2. The device as claimed in claim 1, wherein the device further comprising a speaker for blind and illiterate users, a power switch for display and speaker, and multilingual language support for easy understanding of different language users. 3. The device as claimed in claim 1, wherein the GPS chip is installed in the device for a small or long-range tracking via its mobile application in case of device loss, and users may choose to enable or disable GPS tracking function to maintain his/her privacy. 4. The device as claimed in claim 1, wherein the device can be categorized into different types such as General Rupistick, Speakable Rupistick, and Tractable Rupistick. 5. A mobile application for cashless transactions, the application comprising: a multilingual user interface with three bigger touch buttons as PAYTO, GETFROM, and THIRD PARTY PAYMENT; a scanner for scanning any conventional or a Rupistick's QR/bar code to identify money receiver; a scanner for identifying payer's details by scanning any conventional UPI or Rupistick's QR/bar code; an amount entering page; a multilayer passcode setting option for user to set a single passcode or a set of combination of passcodes; a centralized database for storing passcode information and providing authentication pages accordingly; and a conventional system for payment from own configured conventional account to Rupistick account. 6. The mobile application as claimed in claim 5, wherein mobile application further comprising a function of getting payment from Rupistick account to conventional bank account configured account in mobile, and an option of GETFROM > PAYTO under third party payment transactions. 7. A method for transferring funds from a Rupistik to an ordinary bank account, comprising the steps of: (a) accessing a payment gateway home page on a computer device; (b) selecting the "RECEIVE FROM" option on the payment gateway home page; (c) choosing Rupistik as the payment option; (d) scanning the Rupistik's QR or barcode or entering the Rupistik number to retrieve payee information; (e) entering the amount of the transaction; (f) authenticating the payment using a PIN, OTP, fingerprint scan, eye scan, voice sample, or other available option; and (g) crediting the amount to the receiver's account and displaying the balance information on the Rupistik. 8. A method for transferring funds from an ordinary bank account to a Rupistik, comprising the steps of: (a) accessing the banking home page on a computer device; (b) adding a Rupistik as a payee by choosing the account group as Rupistik and scanning the Rupistik's QR or barcode or entering the Rupistik number; (c) following the bank's procedures to complete the transaction; (d) notifying the Rupistik user of the payment and displaying the updated balance on the Rupistik's screen. 9. A method for transferring funds between two Rupistik accounts, comprising the steps of: (a) accessing a payment gateway home page on a computer device; (b) selecting the "PAY TO" option on the payment gateway home page; (c) scanning the QR or barcode of the Rupistik account to which the payment is to be made; (d) displaying the account information of the Rupistik at the screen; (e) selecting the "PAY FROM" option from a list of banks or a dropdown; (f) scanning the QR or barcode of the "PAY FROM" Rupistik account or entering the account information if not added already; (g) entering the amount of the transaction; (h) authenticating the payment using a PIN, OTP, fingerprint scan, eye scan, voice sample, or other available option; and (i) crediting the amount to the receiver's account and displaying the updated balance on the Rupistik.