Designed & developed from ground-up, complete workflow automation software, for automation of complex business processes. (1995-1999).

Evolved and implemented a distinct model for inter-workgroup processes, as a workflow across distributed databases. (1997-1998) Developed several commercial applications using this model.

Designed and developed the concept of ‘Forking of processes’, to achieve business process level modularity & re-usability. Used in implementing banking applications.

Designed and implemented a novel protocol called TCOP, for assuring integrity & automated error recovery of inter workgroup processes on a WAN built of unreliable lines & systems such as PSTN & low end PCs. (1998-99)

Designed and implemented a complete PKI system, including a key certification software as an integral part of BPRO. (1999-2000) Implemented in Bank Of Baroda and Dhanalakshmi Bank across several branches.

Designed & developed a complete & comprehensive Total Branch Automation software for banks called BankFlow including all processes (about 200), entirely using business process automation approach. (1996-2000)

Designed & developed complete & comprehensive Total Branch Automation software called Sanchay Post for Post Office savings bank including all modules & transactions, entirely using workflow approach (1997-1999)

Designed and developed a multi-application smart card called e-Smart supporting ID & authentication, e-Cash, e-food voucher and e-Document on a single card. (2002-2003)

Designed & implemented a generalized solution architecture for use of smart cards with Simputer for portable, secure & easy to use applications. (2005-2006)

Designed and built a pocket device called eCom Pocket, with unique capabilities such as Strong authentication, digital signature on unlimited data items, e-cash down load in unconnected mode, e-purse balance read, ability to interact with up to 10 servers etc in a single, compact unit. (2003)

Designed and built a range of low cost smart card terminals along with software for use in smart card based financial transactions.(2002-2003)

Designed and developed the complete software and system integrated a smart card and Windows PC based Cash dispenser called e-ATM. (2003)

Developed a unique IDE called Teleserver/D for developing any tele-services application and later used it to develop Telebanking. (1999)

Designed, developed and implemented for a leading bank an ASP/SaaS model of Internet & mobile banking. (2002)