Palmtec for Field Collection in Banks & NBFCs
In India, Rural Co-operative banks and Gramin banks have vital role in the mass-banking.
Most of them have a system of Daily Deposit Collection, for which bank agents go to doorto-
door and collect money from shopkeepers, farmers and housewives on a daily basis. They
give receipt against each collection and they are supposed to remit this amount at bank the
very next day. However, due to various reasons, this remittance and related updation of data
rarely happens. This ultimately leads to mistakes, misunderstandings and more over
malpractices. Computerisation of the bank alone cannot solve this. They need a system that
can give receipt on the spot, capture the data and later download to the banking software,
without re-entering. More over, the balance in the account of each customer should be made
up-to-date, and that should be printed in the next day's receipt.
This is where, Palmtec plays an important role. The collection agents can download the
details of the customers, before going to the field. Receipts can be generated against each
collection, with date, time, serial no., amount paid, balance position, agent’s ID etc., from
Palmtec. End of the day, agent can transfer this data to PC at the office. Simultaneously the
balance position will get updated back to the Palmtec memory. So that, as he give receipt
next day, the correct balance position will be shown. This will eliminate any chance for
mistakes & malpractices.
Palmtec for Loan Recovery for Banks & NBFCs
This is very similar to the field collection. Instead of showing the balance position, it will
show the amount due to pay as on date. Using this feature, now many Gramin and Cooperative
banks have started "Micro-banking". That is, give small amount as loan to people
and get it refunded on a daily basis.
Palmtec for Field Collection of Insurance Companies
Now, unlike earlier, there are so many companies offering insurance packages, from both
public & private sectors. Some of them have international tie-ups too. So it is becoming
mandatory for them to have an effective way of payment collection, follow up of prospective
etc. Palmtec can help them in this. Here the payment collection part is similar to that of
Banks. Also we give a facility to them to keep track of their prospective (name, phone
number, type, policy capacity etc) and keep updating the central system. This will not only
help the agent, it will also help the insurance companies to bring-up new types of policies.
Also they can use this data further, in case any agents quits or so.
Palmtec for Spot Billing in Petrol Pumps
This is a very successful application of Palmtec. Now, to get bill, the customer has to get out
of the vehicle and go and stand in queue at the counter. This will not only waist the valuable
time of the customer, but also the business of the pump. Because, this will make the pump
congested with vehicles and new customers will go to other pumps.
Using Palmtec, bills can be generated Amount-wise as well as Quantity-wise, on the spot.
The boy can carry it on his shoulder, come to you and give bills, with or without vehicle
number. Credit bills can be generated for regular customers. Variable credit limit can be set
for different customers and Palmtec will warn if anyone exceeds the limit. rt payment can be accepted and receipt can be generated accordingly. If the inward also entered properly,
you will get the up-to-date stock position of various items at any point of time. Palmtec can
manage multiple operators and multiple shifts. It will generate shift-wise as well as dailywise
reports on sales & collection. To save time and stationary, small tokens with minimum
information can be printed, instead of detailed bill.
Palmtec for Billing in Delivery Sales
Palmtec will be very helpful in order booking, replenishing materials & payment collection
operations. It can also be used when supply vehicle goes for the distribution. While carrying
materials to the outlets in delivery sales vans, download the necessary data like Item Code,
Item Name, Quantity, Route No., Vehicle No., Name of Driver/Salesman etc. Also, Names,
ID Nos., Pending Payment & Credit Limit of dealers in that route could be downloaded.
Salesman can deliver necessary items and give a bill on the spot. If the dealer pays
immediately, a receipt can be generated and be given. If the dealer make part payment or
issue Cheque / DD, receipt can be made accordingly. If a practice of giving credit to the
dealers exists, the amount will be posted to his credit. Variable Credit Limit can be set to
each dealer.
End of the day (or periodically); salesman can transfer data to the PC/Laptop. Either he can
come to the HO/Branch and do this by connecting the Palmtec to the PC there or laptop can
be taken to the outlets and data can be downloaded. Or ideally, he can transfer the data
through Modem & Telephone line from a remote place. For this PC is not required at the
Palmtec side. Modem can be directly connected to Palmtec. If a n 80 Col. DMP is mounted
in the van and powered using automobile battery, big invoice can be printed, instead of 24
Col. output.
Palmtec for Payment Collection, in distribution network.
Before going to the field, download necessary details to the Palmtec. When dealer makes a
payment, a receipt can be generated and be given. If the dealer make part payment or issue
Cheque/DD, receipt can be made accordingly. If a practice of giving credit to the dealers
exists, the amount will be posted to his credit. Variable Credit Limit can be set to each
dealer.
Palmtec for Order Processing
It has become very important for any sales organization to manage their inventory
efficiently. Company’s profit is directly related to the way they manage their resources.
However, in most of the organizations, such information are not reaching on time. So either
there will be excess stock in some depots or there will be shortage of some items in some
other depots. This will not only diminish the revenue, but reputation too. Palmtec could help
in solving this problem. The franchisee/wholesale units can place order through Palmtec.
The franchisee can enter the necessary items and quantity in Palmtec. The data can be sent to
HO and/or Factory in a single key pressing. Palmtec will dial pre-set number automatically
and send it to the destination instantaneously. The factory can make ready of the requested
items and send to the franchisee. While sending the material, the factory can send
information back to the franchisee, with dispatch details, so that they can keep the payment
ready. In case any items are short, the same can be noted in the Palmtec. The order value will
be posted against the franchisee's account. During payment collection, this data will be down loaded into the memory of Palmtec being carried by collection boys. Similarly, the retail
units also can use Palmtec for placing orders with wholesale units.
Palmtec for Billing in Depots/ Regional warehouses
Here the operation is almost similar to Delivery Sales Vans. Franchisees can collect
materials from these wholesale outlets. Bills can be generated on the spot. Payment can be
accepted, as mentioned in the case of delivery sales vans.
Palmtec for Raw Material Collection
If the companies have a system of collecting raw materials like, milk, spices, coffee beans,
cocoa etc. from estates, Palmtec can be used to manage it more efficiently. They collect
these items from regular vendors and settle the account only one or twice in a month.
Download the data like Supplier name, ID, Cumulative Total, Payment Pending etc. to
Palmtec before starting the collection. While receiving the material, just enter the Supplier
ID, Item Code (say 01 for coffee) and Quality/Grade, Quantity etc. A receipt voucher can be
generated on the spot and be given to the vendor. The amounts will be posted to the
corresponding vendor's account.
Palmtec for Ticketing in Govt. Transport Corporation Buses
This is the most potential application of Palmtec. We have got orders for more than 3500
units so far. Our largest client in this sector is Kerala KSRTC. After evaluating 60 machines
for 6 months at their Guruvayur depot, they placed order for 2000 units with us. Recently we
got order from APSRTC for more than 1000 units. Palmtec can be used either as a hand-held
ticketing machine or as a Dash-Board-Mounted machine, to be operated by the driver. It can
be charged from the automobile battery.
Palmtec for Ticketing in Private Buses
Private bus owners are concerned about the accuracy of the account they get from their staff.
Conductors also feel that lot of their time and effort are going into preparing after-ticketing
accounts. In spite of sincere effort, most of the time, they loose money and reputation.
Palmtec is the one-word solution for these problems. It can issue tickets at minimum key
operations. Single tickets can be issued for group passengers. Conductor as well as the
owner will get the required reports. More than 500 private buses are using Palmtec for
issuing tickets.
Palmtec for Spot Billing for Electricity Cos. / Water Supply Cos
Present Electricity companies want to keep track of their revenues very strictly. Though state
governments run most of them, timely revenue flow has become very critical to them.
Managing lakhs or crores of data is impossible with manual system. Computerisation is the
only solution. Palmtec can play a vital role in this. It can be used in the front-end. Just by
entering the current meter reading, bill will be generated. Provision is given to collect Cash /
Cheque / DD, at the field. Receipt can be given against these collections. The data can be
exchanged with PC at the office. In case of any change in tariff, the same can be done in the
PC and downloaded to Palmtec. This will speed up the process as well eliminate mistakes.
Palmtec for Ticketing in Zoo / Museum / Parks.
With minimum key depression, it can generate tickets for Adult, Child, Groups etc. In most
of these cases, you can see that the ticket booth will be so small and isolated that, you cannot
keep PC+Printer+UPS. If Palmtec is used, there is no need of cabling and Network OSs to
run this counter. Data can be exchanged to the PC just by carrying it to the office at the end
of the show.
Palmtec for Property Tax Collection
Step-1: Before going to the field, information like Property Number, Property Type
(Residential / Commercial etc), Tax Amount, Cess, etc of a specified group of properties are
downloaded to Palmtec memory from the application software installed in PC. Data is
loaded in "Walking Order", so that it will be easier for the operator to select next customer
in minimum time.
Step-2: At every doorstep, all he has to do is just type Property Number. All relevant data
will be displayed on the screen. Either pressing a key and issues the bill or optionally, collect
amount, enter the details and issue bill-cum-receipt. Payment collected can be full or part.
Mode of payment can be Cash or Cheque or DD. Provision is given to mark this information
also. Minimum key pressing only is required for entering such fields.If he is going to the
very next doorstep, he doesn’t even have to enter the property number. It will come
automatically, since data is stored in Walking Order.
Step-3: At the end of the day (or next day morning), take Palmtec to the office and upload
the billing information back to the PC, using the utility provided by us. Either RS232 Cable
or contact-less IR (Infra red) port can be used for downloading. The data will get posted in
the relevant fields of the application package installed in the PC. There is no need of data
entry and data verification. Software in the PC will generate all necessary reports too.
The same data transfer can be used for updating any other information like change of tariff
etc. The tariff change or creation of a new type of property or any such information can be
done at the PC and be downloaded to all Palmtec units uniformly. This will speed up the
process as well as eliminate any sort of mistakes.
Palmtec for Courier Services
Palmtec with Bar Code Reader is found very useful in courier companies. Most of the
couriers have started bar coding the parcels. They have to scan thousands of bar codes within
stipulated time and store in the PC. The option they have is to buy normal bar code readers
and connect to PCs. Then they have to dedicate one PC for each bar code reader. Instead,
they can buy Palmtec with bar code readers and manage with just one PC. Scanned codes
will be stored in Palmtec memory and can be transferred to the PC later. This is economical
as well as convenient.
Palmtec for Issuing Parking Coupon
Government bodies are giving contract to private agencies to collect Parking fee from public
places. These agencies will appoint many boys in each location to collect the fee. We have a
model of Palmtec, which can generate coupons for managing parking lots. While parking the
vehicle, a coupon can be generated with date, time, coupon number, vehicle number etc.
When the owner returns, the boy has to enter the coupon number. Palmtec will calculate the
days/hours the vehicle has been parked and calculate the parking fee. The Charges can be
fixed based on the type of Vehicle (two wheeler, four wheeler, and heavy vehicles). Single
keys are provided to select vehicle type.
