FORM 2
THE PATENT ACT, 1970
(39 OF 1970)
COMPLETE SPECIFICATION
(See Section 10 and rule 13)
PORTABLE BANKING APPARATUS
Applicant' Name : Forbes Technosys Limited
Address : Plot No C-17/18, Road Mo 16,
Wagle Industrial Estate, Thane-400604 , Maharashtra , India.
The following specification particularly describes the invention and the matter in which it is to be performed

FIELD OF THE INVENTION
This invention relates to a portobanker and, more particularly, to a portable personal banking system & multi-services platform for providing a range of banking information and services via a portable personal banking terminal to a host bank computer.
BACKGROUND OF THE INVENTION
During the last decade, various platforms/devices have been developed and deployed for enabling Financial Inclusion in India, to absorb the unbanked masses into the banking system. Almost all of these devices have the form factor of a handheld or a close variant of the handheld, which limits the usability and scalability of these devices. In addition, the revenue streams for the Banking Correspondent (BC) also are limited to basic banking functions, which cannot generate sustainable and adequate year round income for the BC.
Traditionally, financial institutions such as banks have been stigmatized by humorous anecdotes related to the convenience to customers of obtaining services. For example, the term "banking hours" has been used to describe the limited nine o'clock to two o'clock banking day as well as the hours of any other business which might provide limited customer access. In order to make banking services more convenient, centrally located main offices of banks have provided geographically distributed branch offices to move their services closer to the customer. Furthermore, such innovations as drive-up

teller windows and automatic teller machines have extended the hours of service availability. Such enhancements, however, still require the bank customer to travel to the bank or automatic teller machine to receive service.
Since the mid 1970's, there has been a trend toward the application of existing communication facilities for the transmittal and retrieval of information to and from a central source of information and data processing capability. Because of the universality of the switched telephone connection now available in the United States, AT&T, Knight-Ridder Newspapers, Citibank, IBM, CBS and others have experimented with home videotex and teletex services whereby an unintelligent home information terminal comprising a video quality display, a full alpha-numeric keyboard and a microprocessor-controlled interface is automatically connected over the telephone line to a host computer and database. Some of the services provided in such experiments included instantaneous stock quotations, home shopping, and home banking, the latter of these via an auxiliary connection from the host computer to a bank computer also via a telephone line.
There is a need for platforms/devices that, in addition to being more user-friendly and robust, can deliver a host of other services apart from basic banking services.
In the Indian context remote areas need services like mobile recharges,bill payments, insurance payments, MNREGA payments(Govt employee guarantee scheme), Pension payments, Ticketing-Rail, Bus & Air etc. The PORTOBANKER is the device that can handle all the services.

Currently, the various banking, financial, Government & Commerce services are delivered from separate platforms and/or devices. There is no integrated "one-stop-shop" platform available for delivering all the services.
Although the devices available today are portable, most of them have small screens and do not feature a QWERTY keypad. Also, all the peripheral components are not integrated within the device itself; some of the components have to be attached externally. These factors reduce the usability of the devices. In addition, the existing qevices are restricted to the basic functions/services that they were originally meant for and these services themselves are very limited.
OBJECT OF THE INVENTION
"Enabling Banks, Financial entities and other service providers to deliver an array of banking, finance and commerce services to the consumer from a single platform, either in a centralized delivery or a door-step delivery model"
The PORTOBANKER is a portable, robust and highly scalable platform that can deliver a host of banking, finance and commerce services.
It is thus a primary object of the present invention to provide a portable personal banking system including an inexpensive portable personal terminal for providing a range of information and data processing services.
To accomplish this object, it is a further object to minimize the key requirements of any data entry input device and the size of any data display

while, at the same time, provide an easy-to-use, user friendly interface to a bank customer from a host bank computer.
It is a still further object to maximize the range of bank information and data processing services to comprise every practically deliverable information retrieval and data processing function which may be characterized as only excluding currency dispensing.
It is still further object of the present invention to provide a personal banking terminal which will operate in an environment where electrical power is not dependable and hence has a built in long life battery backup UPS as well as a solar charging unit so that the terminal is not dependent on AC mains electrical supply.
It is a still further object of the present invention to provide a personal banking terminal serving system which is compatible with other customer service delivery vehicles such as the provision of automatic teller machines and the servicing of home or business customers equipped with personal computers and data modems as well as with internal bank operations such as credit or account verifications by authorized bank employees.
It is a still further object of the present invention to maximize the application of a portable banking terminal off-line in a local mode of operation without prohibitive cost as, for example, an electronic banking manager.
DESCRIPTION OF DRAWING

Figure 1 illustrates the high level architecture of portobanker system having different features and aspect of banking using portobanker system.
Figure 1 illustrates the process flow diagram of portobanker system with essential features and aspect that act on synergy.
DETAILED DESCRIPTION OF THE INVENTION
The following is a detailed description and explanation of the preferred embodiments of the process of the invention with some examples thereof. In order to better appreciate the invention, it is described with reference to the figure 1 which illustrates the preferred embodiment of the invention.
PORTOBANKER is a cost-effective, portable and scalable device that can deliver an array of banking, finance and commerce services, all from a single platform. Additional services can be easily added, based on specific requirements of the service provider and/or the consumer.
This device meets all financial security standards like two factor authentication, biometric plus smart cards based access, secure communication to core banking system through the financial switch and many more. The device is also compliant with all the IBA/UIDAI guidelines that have been published.

The device is made with state of the art hardware technology, has a battery backup which is charged from a solar charging units and can function in online/offline modes, thus making it an ideal platform for the rural markets.
The present invention deals with the Banking Services such as, Customer Enrolment, Cash withdrawal, Cash deposit, Funds transfer Balance Inquiry/mini statement moreover it is also deals with financial services such as, NREGA disbursement, Pension disbursement, Loan account opening and servicing, Micro-insurance, Micro-credit, Term/recurring deposits and related other services such as, Bill Payment, Mobile recharge and Ticketing.
The PORTOBANKER offers the flexibility and scalability to add services in a "plug-and-play" mode, wherein additional functions can be deployed easily.
Some of the key features of the PORTOBANKER include: it is Biometrically enabled, it has a Multifactor authentication, including smart card and biometric and capable of Biometric capture for customer enrolment having a Webcam, Printed receipt for each transaction, Solar charged battery backup, it has Capability to function in online and offline modes and Compliant with IBA/UIDAI guidelines.
The services on the PORTBANKER can be delivered in multiple fashions. A user can carry this device from village to village and reach consumers at their door-step, thus making this an ideal platform for door-step delivery of services. The device can also be housed at the local grocery shop or in an agent's office, where customers can avail of the services by visiting the

location. Hence, the PORTOBANKER is conducive to both centralized delivery as well as door-step delivery of services.
Advantageously it can be used in Banks, Banking Correspondents, Financial services organizations & their agents and Entrepreneurs, the PORTOBANKER has Portable platform, highly scalable, Solar charged battery backup, biometrically enabled, Multifactor authentication, Capability to deliver a host of banking, finance and commerce services
Capability to function in online and offline modes, Can be used for centralized as well as door-step delivery of services, Voice guidance - multilingual, User-friendly multi-lingual user interface, Printed receipt for all transactions, Compliant with IBA/UIDAI guidelines
The components of the PORTOBANKER are: 1GHZ Atom Processor Based Netbook with Ubuntu Linux 10.04 LTS, 1GB RAM, ISO 19794 compliant Fingerprint Scanner , ISO 7816 complaint Smart Card Reader for Contact-based cards; ISO 14443 (Type A and Type B) Smart Card Reader for contact-less cards, and 40 Column Thermal Printer with local language support and a communication system
The communication mechanism is via broadband USB modem and communication protocol is MQTT protocol.
Alternate systems: Handheld devices & external peripherals - separate sets for different services it can have added features such as having Multiple devices, less functionality, more manpower to deliver services, low incentives

for agents delivering small bouquets of services, high dependency of agents on the income cycles of customers as well as disbursement cycle of banks.

WE CLAIM:
1. A Portobanker system comprising, 1GHZ Atom Processor Based Netbook with Ubuntu Linux 10.04 LTS, 1GB RAM, ISO 19794 compliant Fingerprint Scanner , ISO 7816 complaint Smart Card Reader for Contact-based cards; ISO 14443 (Type A and Type B) Smart Card Reader for contact-less cards, and 40 Column Thermal Printer with local language support and a communication mechanism.
2. A Portobanker system as claimed in claim 1 wherein the communication mechanism is via broadband USB modem and communication protocol is MQTT protocol.
3. A Portobanker system as claimed in claim 1, wherein the system is conducive to both centralized delivery as well as door-step delivery of services.
4. A Portobanker system as claimed in claim 1, wherein the system meets all financial security standards like two factor authentication, biometric plus smart cards based access, secure communication to core banking system through the financial switch.
5. A Portobanker system as claimed in claim 1, wherein the system is Biometrically enabled, it has a Multifactor authentication, including smart card and biometric and capable of Biometric capture for customer enrolment having a Webcam, Printed receipt for each transaction, Solar charge battery

backup, it has Capability to function in online and offline modes and Compliant with IBA/UIDAI guidelines