Claims:1. A method for reducing the transaction time (without having to feed Aadhaar number manually) in Aadhaar Enabled Payment System (AEPS) comprising the steps of:
- Buyer can link multiple accounts of differenet banks seeded with his Aadhaar number in the payskp app.

- Buyer can select which account he wants to use as default account for making transactions.

- Issuing QR to customer (QR printed on any object including human body in the form of tatoo) and linking the QR with his Aadhaar number and linked bank without sharing his account number.

- Scanning buyer’s QR by merchant to retrieve buyer’s Aadhaar number and linked bank information to initiate AEPS transaction.

- In case buyer has smartphone, he scans merchant QR provided by Payskp, enters the amount he wants to pay to merchant and initiate AEPS transaction. Notification is sent to the merchant device for capturing the buyer’s biometirc and automatically AEPS transaction is initiated from merchant device without any manual intervention of the merchant.

- finally, a significant time and effort of merchant is reduced for AEPS transaction.

, Description:FIELD OF THE INVENTION
The present invention relates in general to systems and methods of e-transactions with the help of mobile application, m-Wallet, payment gateway, real time information and mobile communication systems and in particular to a method for reducing the transaction time in Aadhaar Enabled Payment System by using Aadhaar number as a virtual payment address (without having to feed in Aadhaar number and Issuer Bank manually). It uses a dedicated and unique mobile application named PAYSKP for brevity in this description, which is an m-Wallet with a difference. It is a completely Indian mobile application offering person to person transaction, person to merchant transaction, topup, refund and e-commerce functions.
BACKGROUND AND PRIOR ART
In the fast changing digital era of the present times, mobile services offer essential lifestyle options for all and sundry. Mobile applications or apps offer many types of special activities for the users of smartphones and similar handheld devices.
There are countless mobile apps today available to holders of smartphones which facilitate many actions with great ease. With the help of these, one can procure groceries, call and pay for a cab, book bus or rail or air tickets, get details of medicines in stock of a particular dealer and perform many such actions. The list is endless.
For any of these activities, money transaction is essential. There is continuous effort in making all e-transactions easier, and new apps are being added to the list constantly. The Govt. of India is pushing for more and more cashless transactions, and the Aadhaar Enabled Payment System (AEPS) is one part of this effort. The present invention aims to reduce the transaction time of this system, for which a dedicated mobile app has been designed.
The dedicated app for the present invention, which is called PAYSKP, takes a step forward as compared to other existing apps, and brings in a fine transaction environment that empowers both the buyer and the seller with the help of 3 strong payment modes. This is in line with the digital initiative pledged by the current Indian government for easy accessibility and faster payment options. PAYSKP allows users to assimilate information quickly and accurately over a secure communications network. PAYSKP was conceptualised on similar lines to help find a more reliable platform for ease of payment with or without net connectivity and availability of Smartphone. This is where PAYSKP scores over its competitors.

OBJECTS OF THE INVENTION
The main objective of the invention is to provide a method for reducing the transaction time in Aadhaar Enabled Payment System (AEPS) by enabling access and transactions anytime anywhere on real-time basis (using biometric scan). No manual feeding of Aadhaar number etc. is required in this model, thus reducing the transaction time significantly.

Another object of the invention is to provide a method in which the verification process is extremely secured.
Yet another object of the invention is to provide a method in which transaction can be performed even when the buyer does not have a smart phone.
A further object of the invention is to provide the same method for the buyer and the seller through dual app solution.
Last but not the least, the final object of the invention is the issing QR code to customer which is linked to his Aadhaar number and linked bank and scanning it for completion of the transaction.
How the foregoing objects are achieved will be clear from the following description. In this context it is clarified that the description provided is non-limiting and is only by way of explanation.
SUMMARY OF THE INVENTION
A method for reducing the transaction time in Aadhaar Enabled Payment System (AEPS) comprises the steps of:
- completing registration process by both the buyer and the seller (for smartphone user);

- In the absence of a smart phone at the buyer’s end, furnishing Aadhaar number and bank details (the very first time) which is processed by the merchant. Issuing a pre-generated QR code to customer and linking the QR with buyer’s Aadhaar details so that next time onward manual feeding of Aadhaar number and linked bank is not required by merchant.

- Capture buyer’s biometric through certified scanner for authentication and forwarding the transaction request to NPCI for approval of AEPS transaction;

- NPCI completes the transaction after authentication of biometric from UIDAI by debiting the amount from the buyer’s account and crediting it to the seller’s account.

- Payskp sends transaction status to both buyer and merchant in the form of notification and SMS.

BRIEF DESCRIPTION OF THE ACCOMPANYING DRAWINGS
The nature and scope of the present invention will be better understood from the accompanying drawings, which are by way of illustration of a preferred embodiment and not by way of any sort of limitation. In the accompanying drawings:-
Figure 1 is a flow diagram showing the registration process for both the customer and the seller using the method according to the present invention.

Figure 2 shows the customer registration page displayed by the system when a customer initiates the registration process shown in figure 1.
Figure 3 shows the next step of the process of figure 1, which is the OTP Verification Page.
Figure 4 shows the Express Pay Page that appears after clicking the “Submit” button in figure 3.
Figure 7 shows the Seller Receive Amount Page which opens after completing the seller registration process.
Figure 8 is a flow diagram showing the dual app functioning of the PAYSKP App according to the invention.
Figure 9 gives an overview of the activities performed by both the customer and the seller through the dedicated app PAYSKP according to the method of the present invention.
Figure 10 is a flow diagram showing the flowchart for the ‘Near Me’ feature of the present invention.
Figure 11 gives an overview of the activities of the ‘Near Me’ feature shown in figure 11.
Figure 12 shows the user interface of the ‘Near Me’ feature.
Figure 13 represents the Merchants’ section operability in the case when buyer does not have a smartphone.
Figure 14 shows the buyer’s activity when the buyer has a smart phone.

DETAILED DESCRIPTION OF THE INVENTION
Having described the main features of the invention above, a more detailed and non-limiting description of a preferred embodiment will be given in the following paragraphs with reference to the accompanying drawings.
In all the figures, like reference numerals represent like features. Further, the shape, size and number of the devices shown are by way of example only and it is within the scope of the present invention to change their shape, size and number without departing from the basic principle of the invention.
Further, when in the following it is referred to “top”, “bottom”, “upward”, “downward”, “above” or “below” , “right hand side”, “left hand side” and similar terms , this is strictly referring to an orientation with reference to the apparatus , where the base of the apparatus is horizontal and is at the bottom portion of the figures. The number of components shown is exemplary and not restrictive and it is within the scope of the invention to vary the shape and size of the apparatus as well as the number of its components, without departing from the principle of the present invention.

All through the specification including the claims, the technical terms and abbreviations are to be interpreted in the broadest sense of the respective terms, and include all similar items in the field known by other terms, as may be clear to persons skilled in art. Restriction or limitation if any referred to in the specification, is solely by way of example and understanding the present invention.
The transactions taking place in PAYSKP follow a 3 way mechanism designed suitably to bring easy accessibility at the point of purchase. It is a secure module that facilitates ease of use, money transfer and verification procedures for both buyers and sellers with the click of a button.
The App has been developed to introduce flexibility and convenience in payment functionalities. It works successfully on Smartphone and handheld mobile devices. It provides information on real time basis. This app acts as an interface between buyers and the seller.
This facility enables access and transactions anytime anywhere on real-time basis. The USP of PAYSKP is that it shortens the time taken to complete an AEPS transaction.
PAYSKP brings with itself a 3-way mechanism –
1. Information sharing using merchant dynamic QR (Both merchant and buyer have smartphone). In this case both buyer & the merchant/seller have to download the app first. The seller, generates a dynamic QR by entering Amount and description (optional) using the Payskp app. The Buyer scans the merchant QR through his Payskp app. After buyer initiates payment request, the customer Aadhaar & linked Bank information is pushed to the buyer smartphone. After confirmation by the buyer of payment receipt request, buyer biometric is captured in the device connected with merchant smartphone and AEPS transaction request is sent to NPCI from merchant device. The transaction gets completed once the biometric verification process is approved by UIDAI and notification is sent to both merchant and buyer.
2. Information sharing using merchant static QR (Both merchant and buyer have smartphone). Sticker is distributed to merchant /seller beforehand to complete the transaction procedures. The Buyer scans the merchant static QR through his Payskp app. Buyer manually enters the amount and initiate payment request, the customer Aadhaar & linked Bank information is pushed to the buyer smartphone. After confirmation by buyer of payment receive request, buyer biometric is captured in the device connected with merchant smartphone and AEPS transaction request is sent to NPCI from merchant device. The transaction gets completed once the biometric verification process is approved by UIDAI and notification is sent to both merchant and buyer.
3. Information sharing using buyer static QR (buyer do not have phone). In this case a buyer is issued with a QR printed on low cost PVC card for long lasting purpose. Buyer QR is linked wih his Aadhaar number and linked bank. Merchant scans the buyer QR and retrieve the Aadhaar number and linked bank details. Merchant enters the amount and captures buyer biometric in the device connected with merchant smartphone. AEPS transaction request is sent to NPCI from merchant device. The transaction gets completed

once the biometric verification process is approved by UIDAI and notification is sent to both merchant and buyer.
PAYSKP comprises two mobile apps designed and developed in house keeping in mind both the seller and the buyer end app controls. The KRA (Key Result Area) about this mobile app is its availability for customers who have internet access as well as people who do not have such access.
Customers get an efficient app interface with excellent UX (user experience) with payskp.
The technology used in the present invention is as under:

Server Side Technology:
Spring 4, Spring MVC, Hibernate 4, JSON, XML
All the external services are exposed using Spring REST API which are well secured by OAuth 2.0.
Security: Spring Security, OAuth 2.0 and MD5 Encryption.
Database Management: MySQL 5.6
General Ledger for wallet account balance maintenance.
Google Cloud Messaging (GCM)

Client Side Development (Android)
Tool – Android Studio 2.2.2 / Android SDK 24.01
In addition to basic XML Code mainly used for design process, Android SDK (Java language) along with java code are extensively put to use for client development work and backend connection. Since PAYSKP application depends on Google Map API development most of the development part depends on Google API. This makes the back end connection completely dependent on Retrofit API.
Google Cloud Messaging (GCM) has been enabled for push notification.
Referring to figure 1, the registration process (1) must be completed by both the buyer and the seller.
Referring to figure 2, a user starts registration by opening the “Customer Registration Page” (2) shown in this figure. After filling out all the requirements, the buyer needs to click on the ‘register’ button to go to the next page i.e. “OTP Verification Page” (3) shown in figure 3. Buyer visits the “OTP Verification Page” and provides the OTP.

As shown in figure 4, after clicking the “Submit” button in figure 3, customer goes to the Express Pay Page (4). In case of an OTP message failure customer will press the “Resend OTP” button. The “Express Pay Page” (4) appears after customer registration is complete.
Then again the “OTP Verification Page” (3) opens up and after OTP details are provided the seller is required to press the “Submit” button. Soon after this, the “Seller Receive Amount Page” (5) shown in figure 5 opens up. This page opens only after completion of the seller registration process.
Reference is now made to figure 6 which shows the functioning (6) of the dual app. As stated previously, the dedicated application PAYSKP of the present invention comprises of two mobile apps. The USP of the Dual APP Solution are summarized as under.
• This app works both on the buyer and the seller end. In the event, if neither the buyer has the app installed, nor the internet connectivity is present, even then the transaction could be processed.
• Verification process is extremely secured.
• 3 way mechanism of the app makes it an instant winner. Please note that the seller must have a smartphone in all the 3 scenarios.
• Real time information shared in this environment makes way for faster, accurate and secure communication.
• Last but not the least, no manual feeding of Aadhaar number reduces the AEPS transaction time to a significant extent.

Figure 7 gives an overview of the activities (7) performed by both the customer and the seller through the dedicated app PAYSKP as described above.
Near Me
The same app PAYSKP offers another useful feature which has been named ‘NearMe’ (10) in this description. The “Near Me” feature is used here to find out the seller’s location. After feeding the IP, latitude, longitude and range (say 5 Km.), the buyer first checks whether the “location” is on or off in his/her mobile. When “location” is on then the IP, latitude, longitude and distance (say 5 Km.) are sent to the server as a request.
The server then checks the following:
? The identity of the user’s current position.
? Calculating all the points of sale within the radius of distance range (in Km).
After that the server gives the feedback to the buyer with response status, response code, Array of latitude, array of longitude, array of id, array of business category and array of seller’s business name and category. If clicking on the description gets a new server, the user must again call the server and send latitude, longitude and id. The new server then provides a response to the user with the seller’s phone no., address, business address, latitude, longitude, business name and category, business logo image, business banner image, name etc.

Next, the buyer can filter the points of the sellers and three buttons appear. The three buttons are;
? Call: Call by phone.
? Navigate: G map is open and user can see the location of seller.
? Share: The information of business seller can be shared with another buyer.
Figure 8 gives the flow chart of the above feature of the app.
Figure 9 details the activity (9) diagram of the NearMe feature (8) of the app according to the present invention.
Referring to figure 10, the “GPS Setting Page” (10) is used for checking whether GPS is active or not in mobile. After that it goes to “Near Me All Page” (not shown).
Now coming to figure 11, the scenario of the merchant’s operation (11) in the case when the buyer does not have a smart phone is depicted.
Figure 12 shows the buyer’s activity (12) when the buyer has a smart phone.
PAYSKP is an extremely innovative and highly scalable mobile app. Having numerous modules currently, there are immense future possibilities for PAYSKP. Several merchant and customer benefits of payment, collection, money share and transaction can be implemented in the coming future.
Easy navigation, quick response codes, real time information sharing and high-end user experience are some of the common goals of PAYSKP.
Advantages:
Some of the non-limiting advantages of the present invention are mentioned in the list below. Other advantages will be clear to a person skilled in the art from the description provided above.
- It reduces the transaction time in Aadhaar Enabled Payment System (AEPS) by enabling access and transactions anytime anywhere on real-time basis.
- No manual feeding of Aadhaar number is required resulting in significant reduction of AEPS transaction time.
- The method according to the present invention has a verification process which is extremely secured.
- Transaction can be performed even when the buyer does not have a smart phone.
- The same method is applicable for the buyer and the seller through a dual app solution.
- It offers NearMe feature for locating a seller within a specified range of distance from the buyer.
- It is available for customers who have internet access as well as people who do not have such access.
The present invention has been described with reference to some drawings and a preferred embodiment purely for the sake of understanding and not by way of any limitation and the

present invention includes all legitimate developments within the scope of what has been described herein before and claimed in the appended claims.