Pocket Watch Invention

My invention is a good idea?
I have a patent pending for a smart card that allows you to instantly send your changing a bank account. For example, I pay $ 5 for a rental dvd and I am due to receive $ 0.27 in change I simply swipe the card and the funds are transferred to the account. No more change in your pocket and you're able to watch the progress of your interest and to accumulate! The service fee of less than 0.5% change. Would you do that?
Yes, yes, yes! This is an excellent idea. Man I wish I thought of this. Your course of being rich.
Bud Light • Real Men of Genius Mr. Giant Pocket Knife Inventor
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