In contrast, patterns on a paper bill, for example, could contain individualized information - name, address, account number, keys,

current outstanding amount, minimum payment, etc. It might also contain information peculiar to the transact ion implicit in the bill - an on-line dial up number, the kind of transaction ex pected, the type of account. Banking software might independently store on the c onsumer's PC relevant bank account information. Thus, a simple scan of the bill - an act so intuitive any consumer could understand it - could, in principle, pa y the bill. It would invoke the banking software, combine the information for th e bank account and the payment transaction, call up the on-line number, and tran smit account number, payment amount, bank account, digital authentication, etc. (Alternatively, the software might call up the bank, and the conduct the transac tion via that route.) If it is felt that the transaction is too easy, so that an inadvertent scan would pay a bill when not really intended, then remedies are s traightforward. A standard screen, detailing the effect of the transaction, coul d create a pause before the transaction is consummated. Some quite deliberate ac tion - shift-X for example - might be required before consent is assumed. 2D Bar Code Application to Online (PC and moblie) Banking Aplication 2D bar codes to online banking could open up a world of possiblities. Online banking, in its current state, is more applicable to managing client acc ounts, transfer of money, and online trading. Online shopping sites requires use r to registered thier banking account details. There is little a user could do t o protect himself from frauds, and phishing. Even with best of intentions, a dat a stored could be hacked. Hackers, of today, are highly organised and use cuttin g edge technology to remain invisible to the world, to collobrate, and carry out their activities. An interesting news was recently published on the Guardian si te (http://www.guardian.co.uk/technology/2010/jan/14/darkmarket-online-fraud-tri al-wembley), which highlights the advances that the hacking community have made. This is where 2D bar code as breath of fresh air providing with a secure method for data communication. A 2D bar code are the next age data encoding mechanism, allowing encoding reasonably large volume of data . Patterns on a paper bill, f or example, could contain individualized information - name, address, account nu mber, keys, current outstanding amount, minimum payment, etc. It might also cont ain information peculiar to the transaction implicit in the bill - an on-line di al up number, the kind of transaction expected, the type of account. The proprietary encoding mechanism leads to a secured data usage. The encryption s mehtods could be frequently modified making it hard for hackers to interpret a nd use the client information for their benefits. Alternatively, the 2D bard cod e encryptiosn along with inputs from biometric devices would form a potent combi nations. Customer bank account information could be maintainted either on custom er mobile or with a vendor providing data security services. A customer carrying a portable scanner like a camera phone could scan a product on shop to obtain p ricing information, or interpret information embedded on the web using the build ing in 2D bard code reader. The introduction, and acceptance of use of 2D bar c odes opens a host of potential oppurtunities for IT companies providing services to data security, retail banking, and FMCG domains. IT services would be requir ed in 1 Select an instrument and populate all the movements associated with it from le ft to right in chronological manner. 2 Remove the instrument from the sorted list 3 Select movement from in chronological order and determine the associated movem ent 4 If the associated movement are linked to different instruments then stack it b elow the concerned movement. Populate the instrument field with the instrument d etails.

5 If there are no associated sl 5 For the currently selected instrument go to step. 6