CHANGE BACK FEATURE FOR CONSUMER ACCOUNTS

The document proposes a new feature called 'change back' for consumer accounts that allows unused coins from transactions to be credited back to bank accounts or donated to charities, minimizing cash coin circulation. This feature aims to enhance convenience for consumers, reduce costs associated with coin handling for retailers, and mitigate the spread of pandemics. The implementation involves simple updates to point-of-sale systems and banking applications, with significant societal and financial benefits outlined.