This document summarizes a team project called QR-Codizer that aims to replace ATM cards with a mobile application. The three person team consists of Hitesh Goel, Paritosh Vatsal Tripathi, and Devendra Kumar. The project/application allows users to make payments and transactions by scanning QR codes with their phone instead of using physical cards. It has advantages over existing technologies like being usable on any OS and not requiring additional hardware. The team believes there is business viability through premium services, user data collection, and real-time transaction data analysis.

1. Team: - Tec hiez er
M ic ros of t Imagine Cup
National Finals 2015
QR-Codizer

2. About the Team
The team consists of three members each one having their own potential and
excellency in their own field.
Hitesh Goel- He is a very idealistic person and has a pleasant personality. He
carries great potential of fighting against the obstacles. Also dedication towards
the work makes him the man of achievements.
Paritosh Vatsal Tripathi- He is the man who can change your heart and thinking
about anything you believe. His convincing ability and confidence level makes
everyone submit before him.
Devendra Kumar- He is the technical guy and likes to go into the depth and the
technicality of every technology he encounters. Making lots of queries is his
smart way of leaning. He is the kind of guy who enjoys his work and tries to
taste every new thing.

3. What our project does?
This project/application will replace
the ATM cards with the mobile
software.

4. qrcodizer
qrcodiz
... . .
Manual
Pay
scanning
qr code
qrcodizer
_ _ _ _
enter pin
//static// //dynamic// //static//
Withdrawal
Payment

5. Scanning
an
Invoice

6. codizer
BigBazaar
Bill Id: 133
Amount to pay: INR 560.00
PAY
Scanned Details Payment Options
dizer
Sort by
6220-XXXX-XXXX-XX20
SBI Debit cum shopping ATM Card
CVV **7
Last Seen Balance: INR 17,500
5196-XXXX-XXXX-XX69
SBI Visa Debit Card
CVV **4
Last Seen Balance: INR 4,100
Paritosh Vatsal Tripathi
Devendra Kumar
+ Add More Options
zer
Generating
QR code
//static//
//static//
//static//

7. choice made
X
zer
6220-XXXX-XXXX-XX20
SBI Debit cum shopping ATM Card
CVV **7
Balance: INR 17,500
Devendra Kumar
Pay Online
//static//

8. Paying

9. Targeting Customer
Segment ?
Our project is for?

10. Source: https://rbi.org.in/scripts/ATMView.aspx?atmid=46

11. Basic camera phone
High Quality camera phone

12. WEBCAM
• ATM machine
• Walmart
• Big Bazaar

13. 0
100
200
300
400
500
600
Debit Cards Credit Cards
InMillions
No. of Cards (till the date) No. of Transactions Through ATM - annual No. of Direct/POS Transactions - annual
Debit/Credit Cards and Transaction Data Statistics – RBI Report (Dec 2014)

14. Source: Reserve Bank of India, Money and Banking - Monthly Bulletin (May 2009).
Growth of 23.20% in number of Credit Cards (Annually)
Growth of 44.56% in number of Debit Cards (Annually)
Debit Card Credit Card
44.56% 23.20%

15. Advantages over the Existing Technologies
 Can be used with ANY Operating System.
 NO ADDITIONAL hardware requirement.
 Works ONLINE as well as OFFLINE.
 SAVES the transactions OFFLINE as well as SYNCS it ONLINE.
 Onetime card configuration.
 Complete all your transactions with JUST TWO TAPS.
 Manages multiple cards for your transactions(so it’s also a wallet).
 Application/Software can secured with PIN/Pattern/Biometric(phone
supporting).

16. Business Viability
• Revenue from Premium Services at $1.99 Annually (applicable after 6
months of use)
• User Data from Installed Application, can be later used for forecasting.
• Real Time Data from Application in use (current transactional data).
• Data related to Local Area (can be used to improve MAPS), Health of a
Person (useful for medical stats), Transactions, Bank Details, Flow of
Money, Usage of Money, Customer Expenses Data, Customer’s Choice and
Taste Data (can be used for demand forecasting) .