A patent is an exclusive right granted to an inventor to make, use and sell its inventions. Chandigarh University's University School of Business (USB) has invented a first ever patent on an X-shaped RTGS in the banking sector. The design has been formulated and is under progress to be filed soon. In this, message flow will be directed from all sides starting from the national –zonal –regional cluster/branch level offices of Indian private and foreign banks to store the colored as well physical imprints of all the cheques/drafts issued on the bank’s behalf.

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