Startup Idea : Mobile wallet

I want to see an app for mobile which will be useful for semi-literate and dumb people enabling them to use do e-transactions from their wallet. The screen should display notes of all small denominations like 1, 2, 5, 10, 20, 50, 100. They should be able to select them with a touch the Note they want to swap for the products they buy. With a swipe of their hand(upwards) the customer should be able to send and the receiving retailers mobile should display (showing inward) with the Customer's name inscribed on the notes(in a corner).When the semi-literate person sees his cash(with his name) on the screen of the receiver, he will believe in the whole transaction. And the receiving retailer also can not deny that the amount has not been received by him. For usage of multiple number of notes also the app should accommodate the viewing of all notes placed one behind the other. This kind of app improves the confidence of semi-literate people of in mobile transactions and can adopt digital transactions quickly. Will be useful in rural and semi-urban areas .