Hope To The End ..................... All Chip articles ................ NFC Near Field Communications

VIRTUAL UNITS ... cashless digital transactions, eft electronic fund transfers, signatures
Cybercash; Virtual money, wallet;

If there is a global financial crisis ( "order out of chaos" ) in
banking transactions, will we convert from cash to "virtual units" ?
Will kiosks ( ATMs) and internet transactions ( e-payments) tabulate only Virtual Money
( backed by nothing but work-hour-units as production) ? Will gold become useless? Time will tell.

atm marketplace - Diebold Opteva 500.
ATM Hunter
The app lets iPhone and iPod touch users easily locate the nearest ATM no matter where in the world they are utilizing the iPhone or iPod touch's
location awareness technologies to pinpoint the search.

Will "virtual units" replace cash and precious metals ( gold, silver)  soon ?

" They shall cast their silver in the streets, and their gold shall be removed:
their silver and their gold shall not be able to deliver them in the day of the wrath of the LORD."
Ezekiel 7: 19

ecash, emoney, e-payments, virtual cashier, cashless payment technology, cashless transactions, ACM, Automated Cashier Machine,
3-in-1 ATM, RF cellular compatibility, retail kiosks, multi-functional kiosks, Vcom, cash acceptance, no cash,
self-service terminal, virtual money, digital transactions, G5, G6;

All it takes is a crisis . Please see short commentary by Gerald Celente on Fox News and the Alex Jones show:


Global Currency coming


Transitions ...or Transformations ?
From a global currency ( EDY : Euro-Dollar-Yen ? ) and a World Central Bank .... to electronic money in cyberspace ( virtual units) ... to a cashless society.
We will be told that only a subdermal chip could
support the security needed.

What "crisis" will bring all these dots together ?

EFT Electronic Funds Transfer
http://en.wikipedia.org/wiki/Guide_to_E-payments EFT POS (at Point of Sale )

Ed: World Governments are printing money faster than time itself. As paper money ( "fiat money" ) becomes worthless, the System can eventually convert to "units", or computerized-representations of value, also known as "credits" ( which are also worthless, but have designated- worth. ) This is the ideal situation for the 666 economic base.

The "New Deal"
One earns "units" or "credits" through employment, and if you are currently unemployed, well Obama informs us that ---just like FDR ----there will be massive infrastructure work-programs planned for you by the government ( just like CCC in the 30's).
Once all of us are employed by the government, and our value is tabulated by banks owned by the government ( nationalization of banks ) , a person can be excluded from the 666 economic system if any problems occur ( such as being politically and religiously incorrect ).
Those who refuse the 666 Mark of the Beast implanted microchip ( verichip ? ) will not exist in the financial world.
They will not be able to buy food to survive .....

"Make us your slaves, but feed us" -- Fyodor Dostoyevsky

From the Newswire : fair educational use

Global Paypass --
BOTH : RFID ( radio waves ) + IC chip ( miniature computer )
"With PayPass, the card has a tiny antenna, in addition to the chip, to enable it be swiped by wireless for quick payments (US$25 or under) in situations like quick-service restaurants, petrol stations, pharmacies and cinemas. It can also support a different form factor (not necessarily a card) so that payments can even be made with a key fob, or mobile phone. MasterCard quotes a transaction time of a third of a second in an offline environment, in cases where the bank sets aside a pre-approved amount that can be authorized without the necessity of a full networked point of sale terminal
“That is the message we are giving to the banks,” said Byrne. “Stop the other wave of fraud, and you can put loyalty,
[ Ed: to whom, what ? the coming 666 Beast-System ? or to Rev. 14: 7, Almighty God ] " PayPass and dual usage all on the same card.”

E-payments and audit-trail
"Electronic payments maintain an audit-trail and complete transparency, which goes a long way to minimise corruption and also to eliminate black market transactions.

Mobile "MoneySend" On-demand person-to-person payment---- Prepaid
"Financial services giant MasterCard announced its on-demand, person-to-person Mobile MoneySend payment platform will go live in the U.S. later this month [ end of May, 2009] . According to MasterCard, the Mobile MoneySend platform enables bank customers to offer P2P payments to their customers--users can send and receive funds via SMS, mobile web, downloadable mobile application or PC, linking their mobile phone number to a MasterCard prepaid card issued by Bancorp. MasterCard adds that as more issuers enroll for the platform, their customers will be able to use MoneySend with their everyday accounts, including MasterCard debit, credit, prepaid or checking, as determined by their issuer.

Differential Power Analysis ( DPA )
"DPA is a tool that allows extraction of secret keys to compromise the security of smart cards and other cryptographic devices by analyzing their power consumption. The technique involves the analysis of the measurements of how much electrical power a chip is consuming as it operates, to figure out what the cryptographic keys are. It is similar to listening to the clicks coming from a safe to figure out what the combination is, but instead of using sound, you're using electrical power consumption. Unlike physical attacks, DPA attacks are non-invasive, easily-automated, and can be mounted without knowing the design of the target device.

Always connected for MoneySend
"Once registered for MoneySend, consumers have the flexibility of directly, easily and securely transferring funds to and from family and friends through their mobile phone, eliminating the need to write or cash checks, visit ATMs, or wire money domestically.
If the consumer has a MasterCard card associated with the account, the funds can also be accessed at traditional points of interaction, including ATMs, over-the-counter at a bank branch, or at the point-of-sale.
"We know that consumers are now constantly connected, whether in front of their computer screens or on the go with their mobile phones that are always there and always on.
.."an increasingly mobile society while catalyzing the secular shift away from cash and check to electronic forms of payment.
also at

Mobile Sticker
"In March[2009] , MasterCard teamed up with Blaze Mobile to introduce the Blaze Mobile MasterCard PayPass mobile payment sticker. The small mobile payment sticker can be affixed to any mobile device, enabling it to be used for contactless purchases at any of the over 146,000 merchant locations that accept PayPass. The mobile payment sticker is tied to a prepaid account and is issued by MetaBank.

Pope Benedict 16 : New Financial World Order needed ( spoken on 1-1-9 "World Peace Day " )
VATICAN CITY - Pope Benedict XVI challenged world leaders on Thursday ( Jan. 1, 2009 ) to make major changes to the global financial system, saying short-term answers to the financial crisis weren't sufficient.
"Are we ready to read it in its complexity as a way for the future and not just an emergency to respond to with short-term answers?" he asked. "Are we ready to make a profound revision in the dominant development model, to correct it in a farsighted and concerted way?"
He said the health of the planet [ Ed: Spoken like a true "green" ] required such a correction, as well as what he called the "cultural and moral crisis" in which the world finds itself

Quoting Hal Lindsey :
"Likewise, we have the strongest and largest economy ever known in history. Similarly, much of that strength is dependent on computers and the power they provide.( Ed: power = control ) Most of our money is parked in the surreal, ethereal cyberworld. Actually, much of our wealth exists ONLY in cyberspace." ---- The Hal Lindsey Report

Ed: Our government is currently printing money faster than ever. It is backed by nothing and is becoming worthless.
To switch to cyber-currency ( "units" ) would be easy at this point.... virtual currency / credits . If one does not take the 666 mark of the beast, they are excluded from the cyber-finance world. Their purchasing power becomes zero.

Cashless Society by Glenn Guest
Book: " Steps Toward the Mark of the Beast " www.stepstowardthemark.com
"In a system like this, it's possible to control everyone by controlling their finances. If all our money is just zeroes and ones in a computer, we'll have to get permission to use our own money. If those who control the money don't like someone, they can deny their purchases, making them an economic non-entity."

The End of National Currency --International Gold standard vs. national gold standard
Benn Steil, writing in the current issue of CFR's influential Foreign Affairs magazine, says "the world needs to abandon unwanted currencies, replacing them with dollars, euros, and multinational currencies as yet unborn."
Governments must let go of the fatal notion that nationhood requires them to make and control the money used in their territory."
... he contends even re-establishing a ( Ed: national ) gold standard would be counter-productive when the only real solution is to abandon the idea that nations have any reason to create currencies at all

Steil imagines the ultimate solution is to privatize a global currency through a gold-based international monetary system.
"A new gold-based international monetary system surely sounds far-fetched," he concludes. "But so, in 1900 did a monetary system without gold. Modern technology makes a revival of gold money, through private gold banks, possible even without government support."

VeriPay : Cashless Transactions

..... an American company announced a new syringe-injectable microchip implant for humans, designed to be used as a fraud-proof payment method for cash and credit-card transactions.
The chip implant is being presented as an advance over credit cards and smart cards, which, absent biometrics and appropriate safeguard technologies, are subject to theft, resulting in identity fraud
the chip's "unique under-the-skin format" could be used for a variety of identification applications in the security and financial worlds

In announcing VeriPay to ID World delegates, Silverman stated the implant has "enormous marketplace potential" and invited banking and credit companies to partner with VeriChip Corporation .... in developing specific commercial applications beginning with pilot programs and market tests.
[ Ed: VeriChip also has enormous Lake of Fire potential ] Revelation 14: 9 --11

Cashless payment systems are now part of a larger technology development subset: government identification experiments that seek to combine cashless payment applications with national ID information on media (such as a "smart" card), which contain a whole host of government, personal, employment and commercial data and applications on a single, contactless RFID [ Ed: make that an IC Computerized ] chip.
Ultimately, it could be embedded in anything – someday, maybe even under the skin."

The Death of Cash
In the coming year, even the smallest purchases will be paid for electronically after credit card giants Visa and Barclaycard struck a deal to create the next generation of "wave and pay" cards for purchases of less than £10.
But the Baja Beach Club in Barcelona has taken the technology one step further by having tiny data chips implanted surgically under customers' skin.
The VeriChip then allows clubbers to pay for drinks by waving their arm across the counter
Tesco is apparently considering its first totally cashless store while German hypermarket Real is trialling stores where customers can only pay with a credit or debit card.
But your mobile phone is likely to be the biggest threat to cash. http://www.mirror.co.uk/news/tm_headline=the-death-of-cash&method=full&objectid=18332967&siteid=94762-name_page.html
THE latest handsets send bank details via an infrared beam from the phone straight to the till.

VeriPay : cashless for all buying and selling
VeriChip is designed using subdermal RFID technology for cash and credit transactions. The idea is that a consumer is simply a number, this makes it easier for us to spend our money from place to place without too much hindrance by real human functions, and even less of an effort for those taking our hard earned cash

Bartering Online for VIRTUAL DOLLARS

Virtual mobile signatures by cell phone  ... VMAC
Giesecke & Devrient (G&D), the world's second largest manufacturer of smart cards, is strengthening its partnership with Valimo Wireless, the market leader in mobile phone-based strong authentication and mobile signatures. G&D is the first SIM card vendor to implement the Valimo Mobile Authentication Client (VMAC) on a SIM card.

A mobile signature is the digital equivalent of a signature on a paper contract. It allows the mobile phone to become the pen necessary to sign for almost any e-service, like web banking, government documents, and entry to corporate intranets from outside of the office. Unlike other identification schemes for e-services, mobile signatures require no additional devices and software, and no additional password lists

With VMAC, mobile signature services do not require mobile operators to commit to a specific (mobile) network protocol or delivery method for graphically-enhanced applications. The signing experience also remains consistent for the whole portfolio of mobile services on offer.

Virtual Smart ID cards --Deepnet internal vault "
our virtual Smart Card"
Wave's technology is designed to enable the encryption keys used for and by Deepnet's Smart ID virtual smart cards to be automatically generated and protected by the unique standards-based Trusted Platform Module (TPM) hardware security chip. This new level of security supports the advanced functionality of the Smart ID, which can hold user's personal credentials, such as private encryption keys, passwords, digital certificates and biometrics, inside the protected environment of the internal file system.

Using Wave's Trusted Computing Group-Enabled Cryptographic Service Provider (CSP), Deepnet can deploy its Smart ID virtual smart card application with hardware-generated and stored cryptographic keys. Traditionally, these keys are vulnerable to attack; one solution is to store the keys in a Trusted Platform Module vault.

The TPM chip, embedded directly on the motherboard of new business PCs, performs a variety of business security features when combined with Wave System's EMBASSY™ Trust Suite software—such as, security policy management, data protection, password management and strong pre-boot authentication. The solution can substantially improve protection against password, data and personal information theft, and is designed to provide enhanced application security, strong wireless authentication, secure email and more—all while increasing productivity

Virtual Smart ID
Wave enables the encryption keys used for, and by, Deepnet Smart ID virtual smart cards to be automatically generated and protected by the unique standards-based Trusted Platform Module (TPM) hardware security chip. This new level of security supports the advanced functionality of the Smart ID, which can hold users’ personal credentials, such as private encryption keys, passwords, digital certificates and biometrics, inside the protected environment of the internal file system.
Smart ID is a virtual smart card - a smart card in a software form factor, providing the same advanced security functionality as physical smart cards, but at only a fraction of the cost.

Cashless society; digital units
--Mal Fletcher
Today's world is very different. International trading pacts drive macro-economies and everything is linked to everything else all across the globe. A financial sneeze in one major trading centre can cause whole nations to catch cold - on the other side of the world.
To serve this new economic landscape, we've invented digital alternatives to cash

"The mobile phone is an amazing banking technology, because it's so convenient for the user."
Phones have three great advantages over cards.
1. They have keys;
2. they have transmitters;
3. and they have enough memory and power ( Ed: batteries, antenna ) to handle big processors and software for encryption and accounting.
Yes, digital money has the advantage of being able to handle large transactions instantly, even over long distances, but using it requires complex electronic systems. Transactions are not anonymous; they can be traced back to the user. [ Ed: excellent tracking device]

Real money is being replaced with
virtual money and this may very well be sowing the seeds of eventual electronic enslavement.
Our reliance on cards is actually a reliance on chips and it is already leading to unacceptable invasions of privacy. As we grow more and more familiar with a microchip culture, the easier it gets for someone to centralise all the information contained on our cards.
One chip can easily contain all the relevant information about our health, banking details, buying habits, voting preferences and so on. The technology is already in place - what's missing is the public acceptance.
Once money becomes nothing more than numbers on a screen, our material wealth can easily be manipulated by other people

And the drive for a cashless society may well lead to sinister attempts to control individuals and even entire populations.
Already, miniature chip technologies are being used to turn us into an extension of our bank accounts - in a world where numbers, not individuals, rule.
Cash, though far from a perfect means of trade, equals freedom. If cash is eliminated, or downgraded even further, the stage is set for companies, national governments or even global bodies to monitor and manipulate our behaviour.

SEPA Single Euro Payments Area want standardized currency rate
SEPA ... Single Currency Rate
"The rates are designed to promote - over time - convergence to a single interchange rate structure across the Euro Zone, in line with the objective as set out recently by the European Central Bank."
SEPA strategy - will encourage the continuing replacement of cash with electronic payments and promote the reduction of fraud through the
latest chip technology."

PayPal, eBay : virtual e-payments debit card
PayPal, the online payments business of electronic auction house eBay, is set to roll out a new virtual debit card system to millions of account holders
The system, which is based on software developed by Dublin-based Orbiscom, generates single use account numbers and one-time card verification codes that are linked to customers' PayPal accounts
To use the system a customer downloads an application that is added to the toolbar in a Web browser. When they want to use the virtual card, the application generates a pre-populated form for payment which includes the single-use MasterCard number and card verification code which is connected to their PayPal account.

SoldItLive: Virtual Marketplace

Google Checkout epayment


eps electronic payment system Germany

OMAHA, Neb. & FRANKFURT, Germany--(BUSINESS WIRE)--May 11, 2006--Transaction Systems Architects, Inc. (Nasdaq:TSAI), provider of ACI Worldwide-branded enterprise electronic payments solutions, and eps Electronic Payment Systems AG (eps), a leading provider of electronic payment systems in Germany and Switzerland, today announced that they have entered into an agreement for TSA to acquire the outstanding common shares of eps for an aggregate purchase price of 28.2 million euros, 17.4 million euros of which will be payable in cash and the balance in the form of TSA common stock.

eps, headquartered near Frankfurt, Germany, is a leading provider of electronic payments solutions with customers in the Germanic markets and in other international markets. Solutions in the eps portfolio include electronic payment software, testing and simulation tools, chargeback management and outsourced services. eps has operations in Germany, the United Kingdom, Romania and Switzerland. The company was founded by Christian Jaron in December 1998.

Asians uniting their currencies
The tentative steps taken this week by finance ministers from China, Japan and South Korea to coordinate their currencies

An eft in every pot; laptops for all -- "EDUWISE"
San Fransico -- Aiming to help close the so-called digital divide, Intel announced Tuesday a design for an educational laptop priced below $400 and a five-year, $1 billion program to train teachers and to extend wireless digital Internet access worldwide
The program was to be formally introduced at the World Congress on Information Technology, a conference in Austin, Texas, where Intel's chief executive, Paul Otellini, was scheduled to speak Wednesday [ May 3, 2006] .  The initiative, World Ahead, comes as Intel, the No.1 chip maker, is embarking on what it says will be a $1 billion overhaul as it faces declining market share and a lagging share price
Intel plans to support the computer training of 10 million teachers around the world, Otellini said, and has already financed the training of three million

At the World Economic Forum in Davos, Switzerland, in January, [ Nicholas] Negroponte publicly debated the issue with the Microsoft chairman, Bill Gates, and chief technology officer, Craig Mundie, who suggested that a better alternative might be a combination phone and personal organizer that could be fitted with an inexpensive display and keyboard, rather than an ultra-low-priced computer
The new Intel design, to be called Eduwise, will include software for the classroom

The company has already financed 175 experimental wireless networks using Wi-Max, a longer-distance version of the Wi-Fi networking standard.  

World's digital divide gets smaller
"Within China and India, regions like Shanghai and Bangalore have almost the same level of Internet and mobile phone connections as developed nations, said Peter Korsten, European director at IBM's Institute for Business Value.
Virtually all countries have improved their scores over the past year," the study said. "The improvement is greater in the lower tiers of the rankings than at the top.
As a result, the distance separating the best from the rest has declined."


iPIN and Cap Gemini Join for Global e-payment

"Paris, France and Belmont, Calif. - March 26, 2001-
iPIN, the e-Payment technology leader, and Cap Gemini Ernst & Young, www.cgey.com one of the largest management and IT consulting firms in the world, today announced
a global alliance to provide Internet payment solutions to multiple industries, including telecommunications and financial service providers worldwide. "

The iPIN and Cap Gemini Ernst & Young alliance will enable companies to deploy innovative payment solutions, such as
wireless payments, eWallet solutions, and stored value applications    Having already identified specific large-scale projects to work on together, including a current initiative with France Telecom, this announcement further enhances the relationship between the two Groups.
iPIN www.ipin.com enables users to easily and securely pay for Web and wireless purchases using existing financial relationships, such as bank accounts, credit cards, debit cards, ISP and wireless bills, pre-paid accounts, and cash.  Customers include British Telecom, France Telecom, Club Internet, and Internet Gold among others.

From the Washington Post
"President Bush is expected to approve soon
a national pandemic influenza response plan that identifies more than 300 specific tasks for federal agencies, including determining which frontline workers should be the first vaccinated and expanding Internet capacity to handle what would probably be a flood of people working from their home computers."
The Treasury Department is poised to sign agreements with other nations to produce currency if U.S. mints cannot operate."

Outsourcing Money Supply

Electronic Money
There also a flurry of excitement last week, when a rumor ( Ed: This is not a fact ) that the U.S. Federal Reserve had printed up, suddenly, $2 trillion in cash. My initial reaction was, of course, to laugh: "Hahahaha!" My reasoning is thus: why would they go through the hassle? They can make electronic money with the wave of a finger, so why go through the messy rigmarole of dealing with ink and paper and all the problems of transporting it? Let’s not forget counting it and storing it and blah, blah, blah!

Mondex smart cards

Arab Finances outsources ATM / Credit cards ( EMV) to Euronet
"Bahrain Islamic Bank is outsourcing its ATM network and credit card management to Euronet Middle East, a joint venture between Euronet World Wide and Arab Financial Services."

A  Global Currency ?
U.S. chip giant Intel Corp. said it has invested 5 billion yen in Tokyo-based Bitwallet Inc., which provides the "Edy" ( Ed: Euro- Dollar- Yen ) electronic money service.
The companies will cooperate to make it easier and safer to make PC-based electronic money settlements, which are seen to increase amid growing popularity of Internet sales

Cashless Bank
The use of mobile phones with electronic money functions, called osaifu-keitai, is becoming popular.
With the new bank, customers will be able to pay bills by having their phones scanned by a machine, as long as sufficient funds are available
By opening an account with the new bank, users of au phones will be able to have payments directly debited from their accounts, for instance, when buying goods or services over the Internet

Euronet www.euronetworldwide.com.
LEAWOOD, Kan. --(Business Wire)-- April 12, 2006 -- Euronet Worldwide (Nasdaq: EEFT), a leading electronic payments provider, today announced it will release first quarter 2006 results prior to the market opening on Wednesday, April 26, 2006. Euronet will hold a conference call the same day at 10:00 a.m. Eastern time to discuss the results.

Euronet Worldwide is an industry leader in processing secure electronic financial transactions ( eft ) . The company offers outsourcing and consulting services, integrated EFT software, network gateways, electronic prepaid top-up services to financial institutions, mobile operators and retailers, as well as electronic consumer money transfer and bill payment services
The company has processing centers located in the U.S., Europe and Asia

* * * * * *

From " Bible Prophesy" ......
" Revelation 13:16-18 which describes the mark of the beast which is required to buy and sell.  There must be some sort of compulsory system of tracking electronic credits, such as an implantable microchip or tattoo of some sort which properly identifies people who are authorized to buy and sell.  Cash and physical possession of items of monetary value like gold and silver are simply incompatible with such a system.

Further, Ezekiel goes on to describe a frightening passage about how gold and silver seem to be less that worthless, but almost even dangerous to possess, again, I feel I should quote the full passage.

Ezekiel 7:19  They shall cast their silver in the streets, and their gold shall be removed: their silver and their gold shall not be able to deliver them in the day of the wrath of the LORD:
they shall not satisfy their souls , neither fill their bowels:
because it is the stumblingblock of their iniquity."

"Why would anyone ever feel the need to "cast their silver in the streets"?  Even if silver were to drop in value to ten cents per ounce, people would still buy and sell and hoard the stuff (I certainly would), and there would be no need to throw it away like it was garbage.  So, to cast silver into the streets!  In the context of Daniel 11, Revelation 13, and the rest of the passage where it says "their gold shall be removed", it seems as if the only reason people are casting silver into the streets is because they want to get rid of it, so it cannot be said that they ever owned or possessed the stuff.  Today it is possible to scan someone's house from the street and detect whether a person has a quantity of precious metals." -- J. Hommel  

Comment from HOPE TO THE END : We take it that when Scripture says that precious metals ( gold and silver)
will not be able to deliver them in the day of wrath, that it means they will have
no purchasing power with metals.
When it states that it will not satisfy their souls , we take that to mean that
metals will no longer further their survivalist-plans.
When it says that metals will not "fill their bowels", we take that to mean that
gold and silver will not be able to purchase food-- our basic commodity -- and that gold and silver will lose their lustre in one's devotion and attachment.

* * * * * * * *

Transactions in a cashless society
Today, cash is replaced increasingly by electronic credit and debit. In excess of $3 trillion is moved around the planet daily. But no money moves in the sense of coins or pigs going from my pocket or pen to yours. Everything's a scheme of pointers. The bits used in such accounting have no inherent value. They're only the means.
The next step is for some bits to have value. To distinguish these bits, they'd need an agreed identity and a unique and secure ID. And to stop multiple spending of the same bits, there would need to be a clearing process or a means to reveal the identity of anybody who tries to double-spend. All these requirements are easily achieved in both traceable and anonymous systems of E-cash. In these cases, money does move; the bits are money. This is the future, though only in part.

Is a sea-change coming ? Will these systems graduate from prepaid retailer services to a globally
networked 666 financial system which is activated by an rfid chip in the right hand or forehead?

Kiosks as mini-banks
Info Touch offers prepaid wireless and long distance, prepaid WiFi, bill payment, money order purchases and money transfers at some 200 kiosks it owns and operates at Circle K stores. Info Touch also has deals to deploy 35 of its multi-functional kiosks at gas station/c-stores owned by Mac's and Exxon Mobil

Cashless Transaction Technology Systems ( cashless payments)

atmmarketplace--Tranax Technologies MiniBank 2500 terminals outfitted with sidecars

Cyberspace... An electronic currency
DigiCash of the Netherlands is one of the most prominent designers of on-line cash transfer systems. This company is dedicated to developing codes and cyphers safe enough for the world to bet its money on.

The DigiCash system will allow people to open accounts with participating banks and then down-load 'eMoney' into their terminals or into their 'electronic purses'. These electronic purses can be connected to the Internet using new developments in encryption which permit eMoney transactions to take place freely without risk of interception. This means that the remitters' transactions remain anonymous and can operate independent of border controls or other interventions by governments. But the payee is known to the banks and you can trace your cash distributions.

The benefit of remitter anonymity must be weighed against the fact that lost eMoney is as unretrievable as paper money in a stolen wallet. Users will need to guard their hard-drives, and their stored data, as carefully as they currently guard their cash, jewels and other valuables. Computer viruses will be as frightening as real life burglers ­ an invader which destroys your bank balance is no joke.

Silicon from sand ( 25 % of the earth; second most abundant element)

A foolish man built his house upon sand...and it fell..and great was the fall of it. ---Matthew 7: 26, 27

From sand to silicon ( slide presentation)

It is found largely as silicon oxides such as sand (silica), quartz, rock crystal, amethyst, agate, flint, jasper and opal. Silicon is found also in minerals such as asbestos, feldspar, clay and mica.


ITEX is executing on its mission to provide a world-class cashless payment platform for business transactions
Member businesses increase sales and open new markets by utilizing the ITEX Dollar to exchange goods and services. ITEX is powered by ITEX Payment Systems, the leading payment technology platform for processing cashless business transactions, headquartered in Bellevue, Washington. For more information, please visit http://www.itex.com

USA Technologies...... IP Intellectual Property
The latest patents, which are especially important to protect the IP behind the e-Port® cashless transaction technology, and the VendingMiser energy management solution, brings the total to 55 patents granted and 32 pending, making USA Technologies a leader for the number of patents issued to a company of its size.

Recently, USA Technologies signed a technology licensing agreement with Mars Electronics 'MEI', the world's leading manufacturer of payment systems, allowing MEI to use certain intellectual property to connect to USALive®, the company's network for e-Port credit card transactions

IP in the areas of telematics, commercial laundry, energy management and cashless vending.
The latest patents issued are Patent Number 6,807,532 for "Method of soliciting a user to input survey data at an electronic terminal," and Patent Number 6,801,836 for "Power-conservation system based on indoor/outdoor and ambient-light determinations."
The survey data patent allows consumers using the e-Port cashless device the ability to key in information in response to a survey or promotional material while making a purchase from a vending machine. It also allows the consumer to make add on purchases.(customer loyalty program )

USA Technologies is a leader in the networking of distributed assets, wireless non-cash transactions, associated financial/network services and energy management. USA Technologies provides networked credit card and other non-cash systems in the vending, commercial laundry, hospitality and digital imaging industries.
USA Technologies is an IBM Business Partner. The Company has marketing agreements with AT&T, Honeywell, MEI, Unilever and the ZiLOG Corporation. http://www.usatech.com

G-5 .... Customers prefer e-Port® cashless transaction device
surveys that show a rapidly growing preference by consumers to use its e-Port® cashless transaction device when making purchases
The surveys also showed that when consumers had the option of using credit or debit cards, they made more than one purchase, generating more sales and greater revenue for vending operators.
Jim Turner, VP and Channel Manager Intelligent Vending®. "This is further evidence that every vending machine operator should offer their customers the ability to use both cash, credit and debit payment options."
National Automatic Merchandising Association (NAMA), the vending industry's national body
The report, released during the recent NAMA trade show, found that most consumers using vending machines favored cashless transactions
The third USA Technologies survey shows that for a hotel property, that was experiencing high vandalism, e-Port was installed to eliminate cash entirely. The average ticket item for cashless transactions in a vending machine is up from $1.32 to $3.39, with 75 percent of all cashless transactions being multi vends.
Will G-6 be the 666 rfid chip in the right hand or forehead System ??

Vending Miser: Fast Food Industry and Department Stores
MBM Corporation is one of the largest privately owned custom food service distributors in America. The Company specializes in providing food to national restaurant chains, such as Arby's, Burger King, Captain D's, Chick-fil-A,
Red Lobster, Olive Garden and Bahama Breeze. After a successful trial period using VendingMiser, the company has decided to install VendingMisers in all of their 31 distribution centers, nationwide
companies like AutoZone, Bloomingdale, JC Penney, and now MBM Corporation recognize the impact of installing VendingMisers

Business Express Mini -- Hotels, Restaurants
This year the Business Express offerings on display will include the Mini, a much smaller business center, equipped with PC that has Internet access, windows XP, CD and DVD drives and a dedicated Laser Printer. The Mini will allow guests to check and print email, use the Internet, print in laser quality, access files from USB 2.0 Memory, Pen or Jump Drives, read and write DVDs and CDs. It will also provide a printed receipt at the end of the transaction, automatically charging the cost to a customer's credit card. The Mini is approximately the size of an ATM kiosk, is completely self contained and available 24x7.
"For the first time we will be demonstrating our latest products that are changing the way the world does business,

Smart Kiosk, Smart Reader, Smart Band
Wrist band with rfid for cashless payments at amusement parks etc.
Smart Kiosk is a free-standing booth with touch-screen that allows patrons to load money using cash, credit or debit cards onto RFID (radio frequency identification) wristbands [Ed. note: will the right hand or forehead be next ??] which are provided to patrons at admissions. Smart Reader is a free-standing combination point-of-sale (POS) system and reader that replaces the need for expensive stand-alone POS systems and readers. PDC’s cashless payment solution consists of Smart Kiosks, Smart Band ® RFID Wristbands, and Smart Readers, located at points-of-sale throughout a venue for quick and easy purchases.

Smart Kiosk is a money loading device that works similar to ATM machines, but instead, funds are transferred onto patrons’ RFID wristbands,” comments Victor LaRosa , PDC RFID Manager. “It is part of the latest cashless payment technology

LEGIC .Proximity Cards
The answer was to develop a number of controlled entrances using door based readers (some of which were concealed out of sight within the fabric of the doors themselves) and working with LEGIC proximity smart cards, all integrated with an extensive CCTV system.
The decision to use the LEGIC contactless smart card technology platform was due to its ability to provide multi-functionality and encrypted data transmission, as well as deliver the highest levels of security.

Malaysia ...a cashless society--e-debit and EDC
GHL Systems Bhd has a mission to turn Malaysia into a cashless society and it is making a steady income reaching out to the merchants the banks will not touch. 
It is targeting the mid- and small-sized merchants for the rental of both credit card and debit card
electronic draft capture (EDC) terminals.
 GHL is also banking on e-debit to take off in Malaysia as it had in countries such as Singapore, Australia and Britain


Cashless Europe ... m-payment ...SMS mobile phones

They have developed barcode technology which allows an individual to SMS their bank before making a purchase.
The bank would then send back a barcode by SMS which would appear on the window of the phone.
That barcode would then act as a credit card, which the consumer can show at the till.
The purchase would be added to the shopper's phone bill whose "purse" would be dictated by monthly income and credit rating.

Banking on Technology .... Dexit (nfc)
Technological innovation in financial services, however, isn't limited to Canada's major banks and insurance companies. In September 2003, Toronto start-up Dexit launched a new electronic payment service in its home city. The Dexit service allows consumers to pay for items like coffee, newspapers or quick service meals using a Radio Frequency Identification or RFID tag, a thin one- by two-inch plastic tag that attaches to a key ring or cellphone.
The customer need only wave the RFID-enabled tag in front of the RFID reader at the cash register. The Dexit system then authorizes payment within two seconds—a fraction of the time it takes to carry out a transaction by other methods. This time saving can make a real difference to merchants who rely on quick customer turnover.

Developed with the support of CANARIE and launched in cooperation with TD Canada Trust, National Bank and TELUS Mobility, hundreds of merchants in the Toronto area are already on board.


Digital Transactions
Economists long have predicted a cashless society, where digital transactions replace paper money and coins. Now, nearly one in three in-store purchases is made with a debit card, a study by American Bankers Association and Boston-based Dove Consulting shows.
There are pluses for retailers, too. Thanks to a network of electronic-payment systems, merchants can connect with banks around the world in milliseconds to verify funds to cover a payment.

At MasterCard's global payment nerve center in O'Fallon, Mo., the company processes an average of 40 million credit and debit transactions and settles $11 billion in payments a day.
Electronic funds transfer networks, such as Star, Interlink and Pulse, also charge fees to access their routing systems, which enable merchants to authorize payments

A majority of those transactions go through NACHA, the electronic-payment association that processes them through a national automated clearinghouse.
More banks and businesses defer to electronic payment now for the time and cost savings, said NACHA spokesman Mike Herd.

Convenience that can bite

The latest in banking and postal kiosks
Tranax will also show a self-service terminal based on its MiniBank 2500 ATM platform that allows users to deposit coins and banknotes, as well as perform standard ATM transactions, and a check cashing terminal that offers users the option of receiving cash or the value of a check on a prepaid debit card.

B2B ....business to business
Most B2B payments continue to be made by paper check, the future of payments is clearly electronic," said Arlene S. Chapman, CTP, the Association for Financial Professionals' Senior Consultant, Technical Services. "Electronic payments are gaining ground among some organizations, especially those with annual revenues greater than $1 billion."

Bottomline Technologies' CEO, Joe Mullen, said, "Our market research, conducted with Bottomline's extensive global customer base and key industry analysts, indicates that companies are seeking to extend their core business functions into a more efficient, digital-driven format. Bottomline's fBPM offering capitalizes on our comprehensive experience, research and resources to provide a powerful, single-source solution."

The Innov-X scanner will allow us to meet customer demands for wireless networking applications like scanning at retail locations, ticket kiosks, and passport screening centers, etc. The client-driven requirements that we are now seeing for our products are tending to necessitate custom configuration. A typical example might be utilizing networked scanner technology in a customs environment where agents would verify passports using a desk-mounted scanner, wirelessly networked to a local server that integrates multiple agents' units."

3 - in - 1 ATM cashless technology
Through an alliance with NRT Technology Corporation, QuickJack Plus incorporates GCA's Casino Cash Plus 3-in-1 ATM, which includes a patented roll-over feature that gives patrons the option of obtaining funds via ATM cash withdrawals, credit card cash advance or POS debit cash advances. QuickJack Plus offers casino patrons a user-friendly, intuitive interface that allows them to redeem slot tickets, vouchers and coupons, perform ATM, debit and credit card cash advance transactions, redeem players' club points for complimentary services and cash, and break bills to exchange currency. Other functions, such as show ticket purchases, restaurant reservations, or general information can be made available based on gaming properties' needs

QuikCash Plus ( QCP)

Through a secure, browser-based environment, QCP Web allows casinos to process multiple financial transactions through one device - including credit and debit cash advance, TeleCheck check guarantee, Western Union Money Transfer, QuikCredit and Central Credit.
Central Credit Real Time facilitates the credit decision process, giving casinos access to credit information that reduces their risk, while providing quick, efficient service to patrons. Central Credit Real Time allows information to flow in both directions between Central Credit and a property's casino management system, saving time, labor and space in the casino cage. http://home.businesswire.com/portal/site/google/index.jsp?ndmViewId=news_view&newsId=20041109005210&newsLang=en

Comment from RR Chat ... xajk
"One day, every person will be required to have a 'mark' in order to buy and sell. Can nobody fathom the idea that RFID's could be used for such purposes? I can. I think we are on that road now- credit cards have become a main-stay in our society. Very convienient, and quite often, necessary in order to transact business.

By and large, "money" is nothing more than an entry in an electronic ledger. Paper currency doesn't get moved back and forth between banks, for the most part. When it is, it is for use in every day life- for people to use at the gas station or grocery store. That's it. Consider the typical purchase of a home... does anyone ever actually see the sum of money involved in the transaction? Nope- it's just a number that gets moved around in silicon and transfered via fiber optics or copper. Even checks are now handled electronically. How many stores simply scan the check and hand it back to you? Most of the "money" that gets moved back and forth every day from one institution to the next is all through electronic means.

The banking industry has been doing electronic funds transfers for ages now. But people as a whole have not been so keen on the idea. It's taken years and much cajoling to get us where we are today with credit cards. Now checks are being handled almost in the exact same fashion as credit cards. And we are used to it, and even like the process. Very convenient. Much safer than carrying around large sums of paper currency. Piles of change no longer weighing down purses and men's pant pockets.

It's just a matter of time. RFID has so much to offer. Multi-use. Security. Convenience. Efficiency. Satisfaction.

If the monetary policy makers decide to do away with paper currency, am I not forced to use whatever method they choose to replace it? If some people choose the method that will eventually be the replacement, now, and the rest are forced to into it later on, is it still not possible that the method was evil all along? What would be the significance of such a change- whereby paper currency was no longer used to transact business, but databases and networks, that stored information concerning those transacting business. As the only means?

There is still much speculating that can be done... what about 3rd world countries that don't have the electronic infrastructure many developed nations do...

And ofcourse, there is the issue of the language used in the bible, concerning the mark... many do not believe that an implantable chip fits the description of the mark itself. But it sure seems to have the potential to fit the description of what the mark will be used for- controlling buying and selling.

Going back to the previous comments...
"...because "the" Mark will require swearing allegience to anti-christ in order to receive it and that is what damns the person to an eternal hell...

It doesn't say that, either, unfortunately.

[11] And the smoke of their torment ascendeth up for ever and ever: and they have no rest day nor night, who worship the beast and his image, and whosoever receiveth the mark of his name.

I don't know if RFID is or isn't the MOTB, or even if it could be. Maybe others do, but I don't. Even so, I'm not going to find out by taking one. As a person who believes that privacy and freedom still count for something, I wouldn't recommend them to others, either. But I won't stand in the way of those who choose to get one... that's a choice we all have to make for ourselves. ---- xajk

Interesting .....

Electronic Financial Newspaper - "e-paper"
Ed: Belgium also houses the " S.W.I.F.T. " financial system
This month, De Tijd, a Belgian financial newspaper, started testing versions of electronic paper, a device with low- power digital screens embedded with "digital ink," millions of microscopic capsules the size of a human hair with organic material that display light or dark images in response to electrical charges
The New York Times plans to take part in a trial with 300 devices.
The International Herald Tribune, which is owned by The New York Times Co., is also in discussions to make subscriptions available this year with the Philip Electronics-made iRex Technologies devices that the Belgian newspaper is testing, according to Michael Golden, publisher of the IHT

De Tijd, with 40,000 readers in Belgium, is testing a device called the iLiad eReader, which is the creation of iRex, the Philips spinoff. IRex partnered with E Ink, a Massachusetts-based team of chemists and engineers that developed the microcapsule technology. De Tijd is basically fitting its traditional print format to the devices screen, not changing the style of its newspaper

Meanwhile, IFRA, based in Darmstadt, Germany, is pursuing what it calls an "eNews initiative" with 21 newspapers from 13 countries, including The New York Times, which will be testing electronic devices as part of the project

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