Why Universal Money through Mobile (mTm)


Why Universal Money through Mobile (mTm)

Universal Virtual Banking

mTm System


Why Universal Money through Mobile (mTm).png

Power & perils of Noney going virtual


Abraham Paul P.        papaul@hotmail.com




Posted in Economics of Money, Life science technologies, Mobile through Mobile (mTm), Telecom Technology | Leave a comment

The Essence of Religion


 Please click on the caption below to view the article.

Microsoft Word – The Essence of Religion

Posted in Uncategorized | Leave a comment



Short link http://wp.me/p1ZsI2-M6

Universal mTm- System intgrated with Exclusive mTm- Bank


Money cycle in mTm

Click on the caption below to view the presentation which is self explanatory.

Microsoft PowerPoint – VIRTUALBANKS(S) (1)


  1. The idea of Government using money as a Commodity.

Governments spend quite a lot of money for Printing Money,  its safe keep, distribution, replacements and accounting of it and for preventing Black money and counterfeits.

State, Banks and People make use of it in Physical form and also in Virtual form of sorts.

Everyone  use it profitably and multiply it, drawing more into it.

In spite of creators of money, all Governments created different forms of Taxation to earn revenue for themselves. Taxes of sorts in vogue put together cause heavy burden on people to the extent that further taxation is strongly objected by all putting constraints on Government’s revenue.

It is only right for Governments use Money as a commodity and levy some sort need based fee, call it service charge, maintenance charge or whatever, on its use.  The charge will be applicable only on the Payer (except in exceptional cases), the person or the organization or the system make payments, that is collected autonomously at the transaction stage. That way the burden is distributed to entire population evenly, more on the rich and less on the poor.

Money being dynamic and never remain static at one point, money goes on rolling continuously non-stop, making its revenue earning potential for the Government, larger and larger.

The revenue collected thus by Governments would be enormous and much more than what is being collected in various forms of taxes now and will suffice to cover entire Government expenditure comfortably and much more for development needs without burdening people with any form of taxation GST and else.

The damage on common people can be limited to affordable levels that will be eventually much lower than all existing taxes they pay now in various forms. The rate of charge shall be such that the revenue earned can meet Government expenses on all counts. The rates of transaction fee shall be variable and need based so that it can be altered according to need. For example in case of a national calamity the rate can be raised and collect required funds immediately for it and lower it back later.

The usage fee rate can be User based, area based, amount based etc. etc.

The amount collected shall be enough to share with States and other stakeholders in the chain like Payment Gateways (Payment banks) Telcos, etc.

Please see a simple presentation in the link below explaining the idea with no jargons,  leaving it to the experts to look into and think about further.

2. The challenges are making available fail proof systems, INTERNET   CLOUD and connectivity between Reserve Bank Server and Payment Gateways to ensure on-line authentication of every virtual money transaction. In order to manage this the redundant  Technology systems with exclusive  integrated bank, and Reserve Bank server shall reside in the exclusive CLOUD. Risk area is the non-availability or failure of connectivity while on the move and in POSs everywhere.

Moreover, it can be seen that to make this systems work the payment gateways shall be mainly technology systems, not banks and shall therefore, function under the ambience of the Government due to obvious reasons.

3. The crux of the issue involved in Virtual money business is Money in Physical form reach and reside in Reserve bank and money in active virtual form originate and move and  reside as dynamic Wallet with its users and continuously moves and finally returns to Reserve bank to get converted into physical Money so that the quantum of physical money remains constant while Government can make enough money for its needs using money as a commodity both in its physical form as well as in Virtual form. It means the newly born payment banks have to think how they run their business.

4. Again, to prevent Virtual money businesses disrupt legacy banking and banking Industry, the banks itself shall convert and take over and handle Virtual money the way it is described herein.

5. Money going Virtual Universally can rein in extremism.

With the system in place with every Government Universally everywhere it is possible to monitor who uses the money for what purpose, to buy bread or bombs and guns and control the money flow.

War is no solution. Wars kill innocents more and create more extremists.   Controlling the money supply to such elements and groups is the only sure way to restrict extremism and extremist activities effectively.

6. Sizeable percentage of money transactions already happen in virtual space. By phasing out real money universally and monitoring and controlling money in its virtual form as suggested herein would help to  eliminate extremism of sorts exists across the world.   The idea is explained in detail in my blog “Power of Virtual Money, its problems and need of Regulation”  in the link http://wp.me/p1ZsI2-Ku

A short presentation can be seen by clicking on the caption below which is self explanatory.

Microsoft PowerPoint – VIRTUALBANKS(S) (1)

mTm with Integrated bank

Also please see a detailed write up and presentation I wrote many years back. “Exclusively banked Universal Money management systems and methods” http://wp.me/p1ZsI2-4g and ‘Power of Virtual Money, its perils, Solutions and urgent need of regulation.’ in the link  http://wp.me/p1ZsI2-Ku


By Abraham Paul. P.

papaul@hotmail.com  P +91 471 2446644  M +91 9446322644    Tweet @pa_paul

Posted in Economics of Money, IT based services, Life science technologies, Social and Community affairs, Telecom Technology | Leave a comment

Power of Virtual Money, its problems and the need to regulate it.

The article deals with Power of Virtual Money, its problems and the need to regulate it.

Short link   http://wp.me/p1ZsI2-Ku

mTm System

Introduction. Management of money through phones, both Mobile and Fixed ones, and using Virtual Money as a commodity can greatly boost Nation’s economy, hugely enhance Revenue for Governments discarding most of current forms of direct Taxes, considerably reduce need to print currency, reduce the malice of corruption and Black Money, restrain Terrorism by controlling money flow into the hands of  extremists. It is time the Governments world over mobilize, regulate and tap this great potential to revive their economy according to the need of the day.

Please see the paper I wrote on ‘Exclusively banked Universal Money management using phones’ for quicker Financial Inclusion in the link  http://wp.me/p1ZsI2-4g  which also explains in detail why Virtual Money shall be  best handled by Virtual banks. It can be seen that the fast mushrooming e-commerce and e-retail businesses involving virtual money such as Alibaba, Amazon, Snapdeal, and recednt ones like Justdial, Paytm etc., etc., and the #DBT ideas are just subsets of what I have proposed in this paper many years back. In fact I had tested out this when I implemented the IN based prepaid service in one of the first GSM systems in India in 1995. It is knowing its disruptive nature, I did not venture to implemented it myself but was after #RBI and the Governments for over a decade to properly regulate it and use it for their benefit.

Please see a presentation in the link  http://wp.me/p1ZsI2-M6  or clicking  on the caption below.  VIRTUALBANKS_MN_IE(S) (1)

  1. India has a Billion phones (Mobile plus Landlines) and growing.

With an average transaction of Rs.10,000 per month per phone, the monthly Virtual money transaction will be about Rs.10 L Cr (Rs. 10 Trillion). Assuming that virtual money transactions and re-transactions happen on an average of 30 times a month, it will be Rs.300 L Cr per month that amounts to Rs.3600 L Cr (Rs.3600 Trillion), annual.

2. How Governments can generate revenue from Virtual Money management?

Hypothetically, by levying a 1% transaction charge on the quantum of Virtual Money  involved in every transaction, Government can fetch annual revenue of  Rs. 36 L Cr (Rs. 36 Trillion) that is more than double of India’s annual budget expenditure outlay.  (The expenditure outlay of 2015-2016 India’s Central budget is only about Rs. 17.8 L Cr. (Rs. 17.8 Trillion). The transaction charge can be partly a fixed charge and partly a variable charge according to amount of transaction involved.

By going virtual, Money becomes a much higher dynamic resource and more so when almost every money transaction being done virtually and with more ease and comfort,  number of transactions, amounts transacted  and the revenue earned by it would grow multi-fold,  taking the revenue to Rs. 250 L Cr up to Rs. 500 L Cr (Rs. 250 to 500 Trillion) or more, making it possible to realize much needed drastic increase in Government’s budget outlay and/or with reduced transaction charge from hypothetical 1% mentioned above to 0.5% or as low as 0.2% keeping balance between revenue and expenditure and revenue share with other key stake holders involved, variably as needed from time to time. And with that sort of revenue earnings, Government can easily  ‘Make India a No Tax Regime. 

3. Universal application.  The idea contained  herein can find universal application irrespective of mode of currency involved. In spite of the odds, I am sure Virtual money will take over most part of money transactions within and inter-Countries across the world in near future.

The challenge is for the global companies to come up with unified Technology and Applications for downloading of Virtual Money as Data (MAD) Packets as  on-line inter-actable dynamic digital Wallets in Mobile phones and other user devices from Reserve banks through its Payment Gateways.  The system is comparatively safer as finally  Money as Data (MAD) reside only in millions of User’s  devices, hacking of it is almost impossible and also of no use.

4. Why Virtual systems, not regular banks.

Most banks, both Public and Private have its limitations to take care of the needs of the huge un-banked population, especially in the lower social and economic strata across the country. Naturally, handling of such enormously high volume of low value accounts   would eventually lead most banks to collapse due to severe HR constraints and gross customer dissatisfaction, for no fault of the banks. Of course, it will not be possible neither to bring everyone into this system nor make every phone user use virtual money route for quite some time. However, a good majority population are already using it and more could be covered as explained in my blog  http://wp.me/p1ZsI2-4g  Others can continue the service of regular banking system or both and brought-in, in a phased manner and then to a total no currency mode of working in due course.

5. How to go about. ‘Exclusive special purpose Digital Online Virtual Banks’ 

The way to go is to bring in place ‘Exclusive special purpose Digital Online Virtual Banks’ under the control of Reserve bank that will take care of all forms of money management using phones, both Mobile as well as Fixed, functioning with minimum human interface, across the country deploying modern technology systems and network. I had been persuading this with Government / RBI for over a decade.  It is good to see Government has finally understood this and gone ahead giving permission to implement payment banks. However, too many of them are also problem as can be seen in detailed in my paper.

mTm with Virtual Banks

6. How the Money moves – Physical and Virtual.

i) As explained in the schematic below, the physical money collected by mTm-Bank of mTm Service provider systems (Payment Gateways) is passed on to Reserve bank as ‘Real money’ ( in physical form or through banks) which remains with Reserve bank.

Money Cycle, Real & Virtual


ii) Reserve bank creates equal amount of Virtual money in it’s own internal MAD Wallet  and simultaneously create or modify user’s MAD Wallet that contain money as a bundle (not in any particular denominations) converted in the user’s chosen mode of currency according to exchange value at that instant and passed on to the users  as MAD Wallet  via the payment gateway.  Thus the Virtual Money resides in the MAD Wallet in the user’s device and Reserve Bank servers keep the virtual copy of all MAD Wallet issued by it for statistics and other legal needs.

Reserve bank call and rewrite to alter  the data in the Wallet only when user do any transaction or at the time of refilling their account, through the Payment Gateway.  The system is envisaged to have safeguards such as the MAD Wallet once issued cannot be hacked or altered by anyone  even by Reserve Bank  without receiving request from the user end via Payment Gateway with due validation processes.

iii) The physical Money received originally from the user via the payment gateways and reach the Reserve bank remain the Reserve bank and only the Virtual Money in its MAD Wallets issued in lieu of it change hands between the Users and various POSs.

iv) The Virtual money in MAD wallets in Users devices and with POSs go on circulating in virtual form with the intervention of Reserve bank and reach the Banks and back in the  Reserve bank through Banks, for conversion back to real money as and when needed.

v) The Virtual money  reaches back in Reserve bank thus goes into MAD Wallet store of Reserve Bank completing the money cycle and quantum of Physical money plus Virtual Money remains constant. This way accumulating Physical Money in Payment gateways or hoarding of it at any other middle way systems is prevented while the money created by Reserve bank in Virtual form continues to circulate that can boost the liquidity and push nation’s overall economy and prevent Black Money. Users money is safe guarded if any payment gateway or middle way systems involved go bankrupt.

7. Revenue share with other stake holders.

Telcos and other stake holders involved in the system also can prosper with appropriate revenue share by Government with them. Currently Telcos are burdened with high CAPEX & OPEX costs plus un-justified license & spectrum costs. Over and above Telecom is at cross roads being stuck up between fast changing new technologies and inability to cater such high volume of users and their diverse service demands with heavily invested legacy systems and network on one side and loss of revenue due to poaching of Telephony related Value added services revenue by various OTT services using their systems, network and customer  base on the other side. Money through Mobile mTm in the link mentioned above, is a non telephony  based  Value added service than can rescue Telcos at this  juncture with appropriate revenue share understanding with the Government/Reserve bank.

Similarly Payment Gateways can collect a fixed charge on all  POSs registered with it and also get a portion of revenue share from Government for the services rendered based on number of transactions with Reserve bank server.

8. Need of regulating virtual money businesses. What Government / RBI need do.

Of late, there had been fast mushrooming of many forms of Virtual Money businesses, both banked as well as unbanked. The hidden danger in this is that unless well regulated  Virtual Money businesses can gobble up real money and disrupt Nation’s economy. The heat is already on. Hundreds of seminars going on discussing about disruptive technologies of sorts but no one seem to point fingers on the problems and the dangers caused by the parallel economy happening everywhere in Virtual form without any regulation or controls of the State.

To safeguard against this, as suggested in this paper, Reserve banks be the originator and custodian of all forms of virtual money, as encoded and  encrypted ‘MONEY as Data’ (MAD) Packets’ with unique identification UR codes for every packet of virtual money as digital wallets, that will need on-line authentication of RBI in its every transaction via Payment Gateways.

Money through Mobile (mTm) envisages the idea of an exclusive virtual money management Bank integrated with a Payment Gateway that will handle all forms of money management using phones, mobile as well as fixed ones, taking care of all aspects mentioned above. Such payment gateways therefore, shall function under the ambience of the Government. Problems of having diverse systems and products in the field is explained in detail in my paper.

Government earns revenue using Virtual money as a commodity. In lieu of Money received from users in Physical form by such Payment Gateways,  Reserve bank issue Money in Virtual form  as dynamic Wallet to users. The virtual money  continuously move from users Virtual Money wallets  to POS and to Banks and finally reach Reserve bank for getting converted to physical Money.  This way the quantum of physical money remains constant while Governments can make enough revenue for its needs using money as a commodity in its Virtual form. Meanwhile Governments can save lot of money spent on printing, distribution  and up keep of Currency and also can restrict counterfeits.

9. How to minimize Impact of this on regular banks. As mentioned above un-regulated Virtual money businesses will siphon out money out of banks draining the bank and the banking industry as whole.  To prevent Virtual money businesses and Payment Gateways cause negative impact on legacy Banks and banking Industry, the Banks by itself  shall diversify doing the function forming a consortium if needed, functioning as middle way systems taking on the payment gateway functions between Users, POSs and the Reserve Bank systems, and deal with Physical Money transactions  involved in the chain as described herein above.

Role of Post Offices. Also government should think seriously to make use of the countrywide Post Office network combined with BSNL giving access and technology support to take on this as part of Financial Inclusion scheme starting with places where already eco system needed readily available and in the remote areas using GPS access that can be currently made available by ISRO without waiting for digitization with OF cable links available everywhere. This can salvage over staffed BSNL and dwindling legacy postal systems.

It means that the Government, RBI, the newly born Payment Banks and existing Banks have to think how the huge Money transactions involved in Virtual Money businesses to be handled and regulated.

Please see a small presentation on this clicking on the caption below. VIRTUALBANKS_MN_IE(S) (1)

10. Universal working. The whole idea is unique and first of its sort. The system can be adapted universally in any country  and also can interwork with the systems in other countries. Every system can handle any mode of Currency like Dollar, Pounds, Euro, Rupee etc., individually within the same system and between systems across the world.  The System take care of conversion of currency according to user’s option and based on the rate applicable at the time of transaction. India can take lead on this, perhaps the architect of Aadhar can be entrusted the implementation of mTm as explained my blogs. Government can freely used the acronym mTm and the idea contained and I will be only too glad to offer help to implement it. Pease also see my blog on this topic in the link http://wp.me/p1ZsI2-M6

Money cycle in mTm

11. Virtual Money, sure way to eradicate terrorism.

Governments spend quite a lot of money for Printing Money,  its safe keep, distribution, replacements and accounting of it and for preventing Black money and counterfeits. State, Banks and People make use of it in Physical form and also in Virtual form of sorts.

Everyone  use it profitably and multiply it, drawing more into it. Government being the originator of Money it is only right that Government monitor who uses it and for what purpose. In this changing world it would wise to check whether money is used for buying bread or for buying guns and bombs.

Gone are the days of Wars, bombs, Tanks & guns. It only kill more innocents than rouges, make fugitives thus push more to  terrorism.  Moving over to Virtual Money universally, monitoring and controlling money flow and preventing it reach  wrong hands is the most effective way to restrict terrorism.  Once every money transaction done only in virtual form universally and under the watch and control of  Governments across the world, it will be possible to prevent huge amount of money flow into the hands of extremist organizations and perhaps, is the one and the only way to rein in and control terrorism across the world.

12. Technology is the real challenge. This can be done, technology for that is readily available. The challenge is only in assuring fail proof and hack proof redundant systems and real time connectivity for instant service all time on 24/7/365 basis.  The Servers in the chain at Reserve banks and Payment Gateways shall be fail proof and the connectivity shall be ensured via satellite links so that service is available instantaneously real time basis. INTERNET  CLOUD and connectivity between Reserve Bank Server and Payment Gateways to ensure on-line authentication of every virtual money transaction. In order to manage this the redundant  Technology systems with exclusive  integrated bank, and Reserve Bank server shall reside in an  exclusive  CLOUD.  Risk area is the non-availability or failure of connectivity while on the move and in POSs everywhere.

Pease see a detailed write up and presentation on this in the link. Exclusively banked Universal Money management using phones.  http://wp.me/p1ZsI2-4g


By Abraham Paul. P.  papaul@hotmail.com   Tweet @PA_Paul


Posted in Economics of Money, IT based services, Life science technologies, Mobile through Mobile (mTm) | Leave a comment

Digital India: Views, Opinions, Suggestions and New Proposals on various Technology and Social and Community affairs.

Digital India: Views, Opinions, Suggestions and New Proposals on various Technology and Social and Community affairs.  http://wp.me/p1ZsI2-J5


Submitted by:   Abraham Paul. P.                Dated 22 June 2015

Ex. Owner, FCOMNET Futregroups India/UAE, VP (TS) SPCNL, SIEMENS ICN Germany/ Director (SC) SIEMENS RHQ, UAE/ GM & SMT TBG, BPL Mobile, India/ TES (I) DOT India. e-mail: papaul@hotmail.com  Twitter.com/PA_Paul

The suggestions and opinions are strictly based on my personal views. The intention is not to contradict the policies of Governments or any other Institutions organizations or individuals. I do not disagree with anyone who chose not to agree with me and my views. Due apologies for anything herein are contradictory, or in violation of any standing instructions or policies of the government or anyone else; it is un-intentional and therefore, may please be condoned. The ideas contained are free for anyone to take and use. Take what one like and ignore the rest. Abraham Paul. P. ______________________________________________________________Salient points:

  1. Government’s role in Digital India.

Private telecom players are doing great. However, they cannot be fully depended to fulfil social commitment especially in areas where revenue potential is low  making Government’s role important and un-avoidable. One area to focus is diversification and effective use of Country’s 150,000 Post offices combined with pan India coverage by BSNL for Digital India projects such as un-banked money management service.

2.  Digital India program need to take on with pragmatic approach.

There is nothing known as perfect in planning. Technology is changing fast. What is good today may become obsolete later. It will take quite many years for 65,000 villages in India networked with redundant and fail proof OF cables connectivity. Probable that the technology will undergo changes by then and the effort would go waste. Pragmatic approach will be to take on digitisation wherever eco system needed is readily available by rolling out features, products and services for financial inclusion and inclusive growth in urban and semi urban areas and towns and villages and then grow towards remotely rural areas in a phased manner. The way forward is to keep in mind that Telecom growth in rural and remote areas shall happen hand in hand with improvement of over all eco system and basic standard of living. Please see my blog in the link on this.  http://wp.me/p1ZsI2-4g

The same technology can be further exploited to revolutionize  entire Universe for governments to earn enough revenue for all its needs without taxes by universally harnessing Power of Virtual Money that can stop corruption, black money and also restrain terrorism, the only effective way to eradicate it is by financially starving the extremist groups organizations and their outfits using my proposal.   Please see my blog  http://wp.me/p1ZsI2-Ku 

3. Cloud Computing , India Cloud and indigenous Internet explorer servers.  INTERNET is the best thing that happened in the technology space. Openness is its greatest merit. However, being come into existence as a by chance baby with no regulatory controls in place, INTERNET is slowly turning boon to bane in many counts, security is one among those. Future wars may not be with guns and bombs but in the cyber space that can paralyze any country in no time.

4. The need of the day is to build an exclusive fully firewalled India INTERNET Cloud that can provide secure internet network and connectivity for nation’s various needs and uses. Future ICT networks will be using cloud computing over exclusive clouds by all sorts of service providers, organizations and the Government for almost all of its communication and business & management services. Along with it India should have its own indigenous INTERNET explorer servers located within the country.

5. Government should have exclusive own communication network for disaster/crisis management, administration, and security purposes. Quick means of communication is one of the vital needs at the time of major crisis and disaster and Counter terror activities.

The irony is that public telecom networks are of no help when it is most needed.  The normal telecom systems and networks are designed for optimum busy hour telephone use of a routine day. These get choked due to sudden spurt in usage in case of any calamity. Failure due to overload in one of system can cause congestion and failure of other systems in the network also.

It is impossible to design a public telephone network that is capable of handling the sudden spurt of telephone traffic of sporadic nature that happen at the time of any major events, crisis and disaster.

The way out  is to have non chocking full availability system and  network exclusively for  essential services such as security, army, police, ambulance, hospitals, road transport & traffic control, air traffic control, railways and important persons/ organizations and local administration, that are vital in the crisis control/disaster management system. http://wp.me/p1ZsI2-dh

  1. Make Telecom Systems, network, Phones, product and services for the common man.

Phones are no more just phones but mini computers. However, super hyped high profile Mobile phones can reverse the telecom growth and to a great extent kill the business itself. Moreover, super hyped phones are good for phone manufacturers, but ‘It is like putting the cart before the horse” where advance systems and networks are yet to be ready across the service area.

Therefore,  there is urgent need to make Telecom systems, Networks, Phones, Products and Services that are available, accessible and affordable to common man. As in every business, success of telecom business is in its user volume; and ‘Cost of user devices’ and “Cost of Usage’ are important factors in bringing in business volume. http://wp.me/p1ZsI2-9i

6.  Technology based Universal Emergency support Systems, Solutions and Services. http://wp.me/p1ZsI2-lZ

7. How to reduce accidents due to Drunk Driving.   http://wp.me/p1ZsI2-It

8.  Quality consciousness is of prime importance for success of ‘Make in India’.  >>>  and more. Please click on the caption below to open the list and summary of articles and  links to full articles.   Digital India

Abraham Paul. P.        papaul@hotmail.com      Twitter.com/pa_paul ______________________________________________________________

Posted in IT based services, Life science technologies, Mobile through Mobile (mTm), Personal messages and other, Politics & Governance, safety & security, Social and Community affairs, Telecom Technology | Leave a comment

How to reduce road accidents due to driving under influence of alcohol

How to reduce accidents caused due to driving under influence of Alcohol and careless driving.       Short link: http://wp.me/p1ZsI2-It

Solution: Simple. Do not allow anyone who has consumed Alcohol beyond a limit, to drive.

How: By making the Vehicle refuse to start and move if the person in driver’s seat is drunk.

1. What all are needed for this: A special purpose system in every vehicle comprising:-

i. A breath analyser at the middle area space of the driving wheel.

ii. A CCTV camera near to the breath analyser that has full profile view of the Driver.

iii. A mini size computer connected to the above that has facility to analyse breath and send signal to the vehicle starting mechanism and keep the driver under continuous observation.

iv. Optional provision to initiate a voice or data call to a predefined number of emergency or other service.

2. Method of working:

2.1. Breath analyzer at the middle  area of driving wheel.

  • The person in the driving seat after turning on ignition will have to blow into the breathing system in the driving wheel. The special purpose mini computer system analyses and if the level of alcohol content is within predefined limit, then sends an OK signal allowing vehicle to start and move. In case of excess alcohol level, the system refuses to send start signal and plays out a recorded message or a warning sounder.
  • The CCTV camera registers drivers photo and associate it with the system and continues to observe during the drive to ensure the one who started the vehicle is driving. It also ensures the person in driver’s seat do not consume drinks while driving. If there is need, the vehicle has to stop and then restart after blowing into the breath tester again.
  • A finger print identification can be incorporated to check or prevent others driving the vehicle.

2.2. Breath analyzer in Driver’s seat belt.

Alternately the breath analysis module could be incorporated in Driver’s seat belt. In this method, driver has to blow into a module built-in with the seat belt of the driver. If the driver is drunk it makes a the burglar alarm in the car to sound. It could be further developed to ensure that clutch get engaged with drive mechanism only if the driver has not consumed Alcohol. CCTV camera in the dash board in front of the driver ensures that same person who blow into breathing analyzer is driving the vehicle. This also ensures that driver always wear the seat belt.

3. Can be implemented in any type of vehicle.

Same concept and systems suitably modified can be used in any type of vehicle and also Auto Rickshaws,  Motor bikes and Scooters. Can be useful to ensure usage of helmet by two wheeler users.

4. Useful for observing traffic rules violations.

Same technology idea could be used to prevent from usage of vehicles polluting beyond limit by continuously monitoring the exhaust fumes.  Later, the system can be incorporated with features to ensure vehicles follow traffic rules with the help of GPS  assisted and monitored navigational system and warn the erring drivers. More features can be built into the system to check drivers using Mobile phones,  texting on phones while driving, over speeding beyond set speed limits etc., and other peculiar behaviour of drivers as they remain in observation and the system compares video against set parameters. This can reduce many road accidents.

Also see my blog on: Autonomous Charging of Road Toll, Vehicle Parking, Fines & penalties. http://wp.me/p1ZsI2-xb and http://wp.me/s1ZsI2-506

——————————–ooooo—————————–Abraham Paul. P.     papaul@Hotmail.com  Twitter.com/PA_Paul

Posted in IT based services, Life science technologies, safety & security, Social and Community affairs | Leave a comment

Counter comments on TRAI Consultancy paper on Regulatory Framework for Over-the-top (OTT) services.

Counter comments on CP of TRAI on Regulatory Framework for Over-the-top (OTT) services.  

Link:  wp.me/p1ZsI2-GA 

To Chairman, TRAI India.   advqos@trai.gov.in.  http://trai.gov.in/

Submitted by  Abraham Paul. P.

Ex. VP (TS) SPCNL, SIEMENS ICN Germany/ Director (SC) SIEMENS RHQ, UAE/ GM & SMT TBG, BPL Mobile, India/ TES (I) DOT India. e-mail: papaul@hotmail.com  Twitter.com/PA_Paul

Subject: Counter comments on CP of TRAI on Regulatory Framework for Over-the-top (OTT) services. Dated 08 May 2015.

Ref: Please refer to my comments and response to TRAI in the links. http://wp.me/p1ZsI2-G5   and my paper on Net “Neutrality without hurting Telcos and End users.  http://wp.me/p1ZsI2-ES

Counter comments on TRAI Consultancy paper on Regulatory Framework for Over-the-top (OTT) services. I appreciate TRAI’s effort in bringing out a comprehensive document on the subject which will serve as a reference paper to any student of technology.

Counter comments:

  1. As has been explained in detail in my comments and answers to TRAI’s consultancy paper on this, the subject matter is very complex; going into details will be like opening another Pandora’s box.

Any attempt to regulate Internet will be a horrendous mistake. Internet being what it is and openness its main strength; reigning in it under sorts of regulatory controls by a particular country or region is going to be almost an impossible task  and it will defeat its basic strength, purpose and utility.  Such being my view on this, it is felt that going in detail on various comments will be a futile exercise. It will be more fruitful to see  what are TRAIs counter comments of on various comments from major stake holders.

2. None the less,  there are valid points in Telecom Service Provider’s concerns about disparate Over the top (OTT) players eating into their means of revenue, especially in the area of Telecommunication based value added services. It is more so when it is done by external OTT players that have no agreements either with the Government or with any Telecom Companies (TELCOs) in this region, and having no licensed spectrum in the Country but using Telecom Service Providers (TSP’s) spectrum, network, systems and customer base and sell TSPs products and services; free of charge or at competitive cost. Most probable that they will slowly start charging once they gain more access and business in the field.

These OTT players can tie up with regional Internet Service Providers (ISPs) that can be accessed over TV cable connectivity and totally bye pass Telcos by providing Voice over Internet protocol (VOIP) connectivity between computers and through new generation Mobile phones by logging into ISP over local WiFi link. May be that is why some of the ISP owners keenly voicing for #Netneutrality.

However, increasing cost of usage by TSPs as being indicated by COAI to overcome this is no solution as it will only push more of their loyal customers to OTT services that will further diminish TSPs revenue on one side and higher cost of usage will make huge volume of low end customers to fall off killing TSPs business volume on the other side.

3. Ultimate solution is elsewhere. Please see my paper on “Net Neutrality without hurting Telcos and End users. http://wp.me/p1ZsI2-ES

Fact is IP based Information Communication Technology (ICT) will disrupt legacy TELCOS. Even phones are no more just phones but mini Computers that take care of almost all forms end users technology needs that can be realized through advanced Computers in addition to Information Communication service which is now becoming just a small area of the whole range of products and service that getting wider and wider everyday. I had predicted a decade back the possible impact of transition from Voice to Data and Multimedia in my blog  http://wp.me/p1ZsI2-23  Currently it is experienced by all mobile users how bad is the quality of simple Voice call services by almost all Mobile phone service providers. Reasons of this are explained in my papers in the links above.

Therefore, it becomes necessary to take the arguments beyond Net neutrality. According to me, the way out is to collate TSPs and ISPs.  As mentioned in my above paper, and comments and answer to questions in TRAI consultancy paper on the subject, the ultimate solution is in switching over to end to end systems products and service to IP based Systems, Networks, Transport and User end devices that can then function truly net neutral.

It means that functionalities and service delivery of TSPs & ISPs can be rolled into one. With such a scenario, though there can still be various modes of same service and  delivery; its tariff could be based mostly on its quality, efficiency and user friendliness and finally left for the market and competition will to decide and set the tariff, cost and pricing. OTT(2)

4. Security shall be major concern. Various forms of Security risks in leaving any country’s entire communication systems open to large number of unlicensed and unregulated external players from around the globe is a major concern, it is for the Government to ponder what and how something can be done to safeguard nation’s interest on top priority. There are options like what I had been propagating for many years in my paper, “Exclusive Govt. owned Communication Systems and Networks for Crisis and Disaster management and national security.”  http://wp.me/p1ZsI2-dh Future wars will be less with Guns and Bombs but more in the Cyber space.  Hope Government will seriously look at it.

5. CLOUD and CLOUD COMPUTING is one of the options.

It is understood that ISRO had already put or orbit three satellites for this purpose and three more are in the anvil. With this in place India should have an exclusive CLOUD for security reasons.  How is it related to #Netneutrality is explained in my paper, this shall be a fully firewalled INDIA CLOUD that would include the communication spectrum in the region so as to prevent illegal and un-authorised technology players getting into the India networks under the CLOUD. The sooner it happens, the better.

Conclusion. Till then TRAIs paper and efforts on Net neutrality will remain as a good exercise to make awareness of the issues involved among various stake holders including Government and the general public.

Abraham Paul. P.



1. Impact of transition from Voice to Data and Multimedia. http://wp.me/p1ZsI2-23

2. Telecom Industrialists need caution on broad band network ideas that do not fit in the future. http://wp.me/p1ZsI2-4s

3. Net Neutrality without hurting Telcos and End users. http://wp.me/p1ZsI2-ES

4. Response TRAI on Regulatory Framework for Over-the-top (OTT) services. http://wp.me/p1ZsI2-GS

5. Government  owned Communication Systems and Networks for Crisis and Disaster management and national security.”  http://wp.me/p1ZsI2-dh


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