Conventional wisdom vs Out-of-Box Thinking: Pre-paid SF&B card

I had invited some of my friends for lunch and as one discussion led to another, we inevitably started a thread on the increasing no. of frequent & random checks of two-wheeler drivers in Bangalore.While any sensible citizen would argue what's wrong in that.If it helps avert terrorists threats, improves traffic discipline,ensures deployment of safety rules,brings in responsibility among citizens and dozen other benefits so we should support the system.I completely agree.
My friend then went on to narrate this anecdote of a harrowing experience of a two wheeler driver in Bangalore.This not-so-proactive citizen got caught in one of such proactive checks.Now as luck can run out anytime and anywhere,when he showed his insurance papers he was told that his insurance had expired 3 days back.And he had to pay a spot fine of a few hundreds bucks and also on top of that he had not done a mandated emission test.Add a few more hundreds.
As always there is a second option which was to pay a spot bribe and "get away".My friend's friend did some quick cost benefit analysis and realised he might have to pay a few more spot bribes due to the frequent randoms checks he might potentially encounter towards his 15 km travail to office.Even then he won't make his boss any happier since he'll be late by an hr.Using all his experience and conventional wisdom he renegotiated the fine amount and got a challan (like any responsible citizen should do) of few lesser hundred rupees.He was naturally relieved to make an exit from the first pit stop.As anticipated he did bump into two other check posts and the rest of the story probably is as mundane as hassles of Bangalore traffic.
I kept thinking what can I do to reduce the agony of myself and my fellow 2-wheeler's from such experiences.I started working on this card product.It will be India's first Spot Fine and Bribe card (SF&B) .Sorry what did I just say - a card !!
Well it might appear madness but hear me out there is method in my madness.

1. It will be a pre-paid card issued to every two wheeler driver.


2. A monthly amount will be loaded into the card.


3. Whenever a card holder has to pay a spot fine he needs to pay it through his/her SF&B Prepaid card.


4. There would be a monthly statement send to the card-holder and a copy to the traffic dept to track a person's fines history.


5. If a person exceeds the monthly fine limit his vehicle will be confiscated.


6. In case of a residual balance (if any) it will carry forward to the next month.


7. If a person has shown good track record the traffic police can incentivize the driver with awards (Best Driver of the year) or rewards (progressively lesser fine amounts).


8. Also the spot check traffic personnel would have wireless PoS terminal to enable them to make a real-time transaction.


9. Also if the driver decided to pay the bribe instead of the fine the traffic personnel can select the relevant option and the bribe amount will debited to his bank account. ( I assume some amount of bribing will be legalized by the time this product hits the market !!).

There is a huge benefit in terms of convenience in payment,better customer experience (both driver and traffic personnel) and also intangible benefits to the overall society by improving traffic discipline and minimising red-tapism.

If you can't beat the Bangalore traffic or traffic police At least what I can you assure is an excellent experience in paying the fine or taking the bribe and a quicker transaction time.May be next time the boss might be happy to see you reach office half and hour late instead of an hour !