Apocalyptic Hope ......... Verification ..... All VeriChip articles

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SECURE BANKING, INTEGRATION and Networking
Focus : Online Banking

Key words: two-factor authentication, verification, phising, Postilion currency exchange, ATM,
EMV migration, EuroPay, MasterCard, Visa, chip migration, IEO, International Economic Order, transparent transactions, payment flow, Global Payments, Citigroup, Global PAY plus, One SMART, M/Chip 4, CAP, Chip Authorization Program, PayPass, PayPal, Maestro, Cirrus, Secure Code, e-gold, FundTech, payment transformation, P3 Smartcard, macro economics, integrated global economy,

What is the Mark of the Beast ?
http://www.gotquestions.org/mark-beast.html

From the Newswires

Global Banking System being set up -- June 8, 2008
In his speech, Mr Geithner will also say the Fed is examining whether to make “permanent” some of the new liquidity facilities put in place during the credit crisis, and called for central banks to establish a “standing network of currency swaps, collateral policies and account arrangements” to bolster liquidity during a future crisis
http://www.ft.com/cms/s/0/546b1604-3585-11dd-998d-0000779fd2ac.html?nclick_check=1

Unique Identifier ( Indicia ) required for all payment processing -- June 20, 2008
" fiduciary duty"
law a requirement that all electronic payment processors send detailed transaction data to the federal government.
Quoting FreedomWorks chairman Dick Armey (former House majority leader) from the article: 'This is a provision with astonishing reach, and it was slipped into the bill just this week. Not only does it affect nearly every credit card transaction in America, such as Visa, MasterCard, Discover, and American Express, but the bill specifically targets payment systems like eBay's PayPal, Amazon, and Google Checkout that are used by many small online businesses. The privacy implications for America's small businesses are breathtaking.'"
http://yro.slashdot.org/article.pl?sid=08/06/20/1234214
http://www.ronpaulforums.com/showthread.php?p=1525939
http://www.housingwire.com/2008/05/08/house-approves-controversial-housing-package/

AIDC Automatic Identification Data Center
http://www.iso.org/iso/iso_catalogue/catalogue_tc/catalogue_detail.htm?csnumber=43455

Islamic Lawfare ; Legal Jihad -- Sharia Law ---- April 15, 2008
http://www.islamist-watch.org/article/440

SHARIA- Banking ( under Islamic dictates ) coming here to America -- Dec. 13, 2007
Islamic/Shari’a banking is coming to the United States and other western nations, thanks to global banks such as Citigroup, HSBC, Deutsche Bank, Morgan Stanley and Goldman Sachs.

With Great Britain now pledging to become the Islamic banking center of the world, the stampede by all global banks to enter the world of Islamic banking is well underway.
Because all Islamic banking products must be created and offered according to strict Shari’a law, global banks are doing for Islam what it could never do on its own: give legitimacy to Shari’a and infiltrate it into the fabric of western society.

It should be noted that most of these scholars are from the school of radical Wahhabi/Salafi Shari’a in Saudi Arabia and elsewhere, holding views diametrically opposed to the basic values of Western civilization

Zakat demands a tithe of 2.5 percent of revenue be donated to Islamic charity. If western banks follow this rule, their contributions will be staggering. It is certain that a portion of this money will end up in the hands of radical Muslims who are sworn to destroy the U.S. and replace its government with Shari’a law.

If a person receives harsh punishment for something they didn’t do, the rationale is that Allah could and would have prevented it if that had been his will. This fatalistic and deterministic approach allows Shari’a rulers to get away with virtually any thing that enters their head.

The west is giving away the know-how, with gusto, to enable Shari’a banking and guarantee its success throughout the world. And to what ends?
For one, Britain’s PM Gordon Brown has pointedly stated that he intends to make London the Islamic finance capital of the world. Further, he pledged that in 2008 the British government will issue its own “sukuk”, or Shari’a compliant bonds. Yes, government debt issued as Shari’a compliant
http://www.newswithviews.com/Wood/patrick29.htm

Postilion Currency exchange at ATMs -- Nov. 13, 2007 --Travelex
offering foreign exchange dispensing (FXD) and dynamic currency conversion (DCC)
LONDON and PARIS, Nov. 13 /PRNewswire-FirstCall/ -- Cartes 2007 -- Postilion, a leading provider of software solutions for self-service banking and payments and a division of S1 Corporation , today announced that Travelex, the world's foreign exchange specialist, has implemented the Postilion payment processing platform to deliver a range of currency exchange services through a network of ATMs
The Postilion product drives self-service financial transactions and payments, including advanced transactions such as prepay, through Internet access points, ATMs, POS terminals, and phones.
http://money.cnn.com/news/newsfeeds/articles/prnewswire/CLTU05013112007-1.htm

Branchless Banking --March 17, 2007- Kenya
The bank’s new SmartCard is a combined debit and ATM card with a microchip capable of storing all the necessary customer details. The feature will enable customers access banking services irrespective of their home branches. Wainaina said:
“Besides branchless banking, customers will soon enjoy Internet-based and mobile banking services
http://www.timesnews.co.ke/17mar07/business/buns2.html

Universal ID for banking -- Feb. 2, 2007 .. also hunted down like an animal
"There are various areas where the implantable micro-chip could be used, besides for personal universal identification and tracking down people. The extended applications include: financial, banking, "
( ED: Now, do you really think that we will be scanning our right fore-arms at the check-out counters? Hardly ! Those who take the 666 Mark of the Beast will be scanning their right hand, just as the Bible predicted over 2,000 years ago ! )

" At the present, the implantation is purely voluntary."
( Ed: Well, well. It looks like the "voluntary-option" will be temporary only. Then it will become mandatory....
Chip or die !
( from starvation, or from the capital punishment of beheading.
By the way, Guillotines are not the only means of beheading, as we have seen from Moslem "justice".
The machete works just as well. )

The receiver scanner records each entry and exit, with date and precise time. On top of this, the chip can be made a tracking device ( see orb ) that could precisely pinpoint the location of the person (a child or a pet) with the implanted chip" ( Ed: Just what we've always wanted, 24 - 7 monitoring )

"Larger microchips, and highly specialized and more sophisticated ones, are underway. With all these features and capabilities, it is easy to imagine how this device could be abused or used for evil purposes." ( ED: huge understatement )

"universal implantation of this radio frequency device on everybody (data and info adjusted for each age or professional group, personal, company or government needs, etc.) and used only for legitimate, legal and noble purpose, this micro-chip"
( Ed: Someone once said : "The more noble the cause, the more devious the motive " )
http://www.thenewstoday.info/2007/02/02/human.bar.code.html
Source Technology : self-service banking at kiosks -- November 2005
Forward-thinking retailers are already using transactional kiosks to offer bill payments, check cashing, money wires, and other financial transactions that not only increase their core business, but also tap into the lucrative fees associated with these services.
Source Technologies creates innovative, flexible solutions that give companies the power to control
transactions, disbursements, and other secure business processes through dynamic printer, software, and self-service solutions. Customers include FORTUNE 1000 and financial institutions of all sizes, including nine of the Top 10 U.S. banks.
Source Technologies is also known for its ground-breaking transactional self-service kiosk and software platform called concourse(TM) that is enabling financial institutions, retailers, and governments to automate in-person financial transactions
http://whitepaper.banktech.com/cmpbanktech/search/index/sol_summary/78740?pos=3&trkpg=PARTNER_SEARCH_RESULTS_CMPBANK
TECH&stype=key&n=78740&c=CMPBANKTECH

Bank of America to accept payments with rfid key fobs--- Jan. 5, 2007
http://www.rfidjournal.com/article/articleview/2946/1/1/

IMAGES for Online Banking
Ed: if there is an option of taking an image of a man ( let's say a former or active president ) then we must remember the warning given in Rev. 13 and 14; For it is in those Biblical Chapters that we are warned against worshipping a man's image at all, especially in regards to buying and selling ( allied with financial transactions) .
"PNC will present about 20 images— a winter scene, or a musical instrument, for example—then ask customers to pick one and write a caption, spokesman Patrick McMahon said.
The bank will recognize that image on a customer's home computer, for example. But if the customer travels, the bank will ask a few security questions, then show the image and ask for the caption, he said. "
http://rismedia.com/index.php/article/articleview/17001/1/1/
Ed: There is a difference between commemorating a past-person and hero-worshipping a living person.

Ed: Does the image portray a "666" ? That too we will have to forego
Number in image
http://www.hsbc.co.uk/1/PA_1_4_24P/content/uk/images/savings_investments/en/sav_online_565x359_05x.jpg

Question : If coins and paper script ( dollar bills ) already have images of presidents on them, why can we not take a man's image now for financial transactions ?

Answer: Because on all coins and bills it is stated: "In God we Trust".
We did all our financial transactions in the name of God.
A cashless society ( virtual money, virtual units ) will not have "In God we Trust " anywhere.
The financial transactions will be done in the name, number and image ( and mark ) of the one world policy-maker, called the beast, or antichrist, in Revelation 13 and Revelation 14.

More info at www.cybertime.net/~ajgood/ebanking.html

IMAGES for Online Banking "PassMark"
"In addition to their standard username and password, customers at the bank will be instructed to choose a picture from a list of pre-selected options — puppies, butterflies, sunsets, etc — and to make up a phrase, such as "How now brown cow."
They'll also have to answer questions about their favorite movie or where they went to high school"
Ed: these personal questions will better profile you, and in many cases reveal your religious upbringing.
"Others will require customers to use a token, like a key fob, or their fingerprints to sign into their accounts electronically."
Ed: the 666 MOB is a token
"With the PassMark system, the image and phrase that customers chose when they registered will pop up on their screen each time they log in, providing reassurance that the site is indeed safe and not an imposter site. That feature, Western Bank officials say, just might entice customers who don't now bank online to begin doing so.
Tokens are physical objects such as a key fob or a device that can be plugged into a computer, and generate numbers that a customer must use to access their account online."
Ed: The subdermal verichip is a physical object with a unique identifying number ( a token )
Wells Fargo system detects, in real-time, if a user is signing on from their usual location and analyzes their transaction and session behavior. Only if a user is denied entry into their account online will they be asked for additional information.
"The only time it will become apparent to customers is when the transaction appears out of pattern," said Jim Smith, executive vice president of Wells Fargo's Internet channel and products group.
Bloomington-based United Bankers' Bank, which provides financial services to other banks, gave each of its 700 account holders a fingerprint-scanning machine well in advance of the new federal regulations
http://www.twincities.com/mld/pioneerpress/16198417.htm
http://www.inbusinesslasvegas.com/2006/12/08/banking.html

Biometrics: Vein Scanners
Japanese banks have turned to devices that read your finger or palm for sizable ATM cash withdrawals.
Will U.S. banks follow their lead?
http://www.businessweek.com/globalbiz/content/feb2007/gb20070206_099354.htm?campaign_id=rss_daily

Thumb-Print Banking Takes India- Jan 25, 2007
"The increase will mean that just about every rural village and outpost will have access to the world's financial backbone and, if the pilot program is successful, fingerprint identification could become standard, even for private bank transactions."
http://www.wired.com/news/technology/1,72284-0.html  

Web banking upgrades security -- Nov. 13, 2005
This kind of analysis is one example of the layers that bank Web sites will be adding by the end of 2006 to meet new demands from federal regulators for "two-factor" authentication. That essentially means checking something more than just user name and password to verify a customer's I.D.
Ed : it will eventually mean a bioimetric identifier ( fingerpring etc.) along with the VeriChip

However, on Oct. 12, the Federal Financial Institutions Examination Council, an umbrella group of U.S. regulators including the Federal Reserve and the Federal Deposit Insurance Corp., told banks to strengthen their online authentication by the end of 2006. Auditors will examine those efforts in regular inspections.

Another software-based approach is Bank of America's SiteKey service. The bank's Web page shows each user a personally chosen picture and caption at the beginning of each banking session, and asks randomly chosen "secret questions" that users have set up in advance.
However, Richard M. Smith, an Internet security consultant behind www.ComputerBytesMan.com , says he expects phishers will send legitimate-seeming messages to dupe people into believing, for example, that their SiteKey picture had to be changed.
"I think people would still fall for this kind of trick," he said.
http://www.buffalonews.com/editorial/20051113/1046688.asp
The key thing to remember is that phishers are very adaptable," said Richard M. Smith, an Internet security consultant at www.ComputerBytesMan.com
."They will make changes to their operation when security technology is upgraded and becomes popular."
http://news.enquirer.com/apps/pbcs.dll/article?AID=/20051105/BIZ/511050339/1001

Concerning the article below:
Ed : While it is true that phising is a problem, we will look back upon this date in time ( Feb. 2005 ) as to the beginning of when people ( rather than countries or institutions) were first excluded from e-banking.
It may start with phising, but the same software ( infrastructure) will wind up excluding people without the MOB from having any financial access.

Just as 911 was the justification for extreme surveillance of the common citizenry and the invasion of his privacy,
so likewise phising will become the justification for "no access" to financial capabilities for ordinary citizens---- for other reasons than phising. Exclusion has many possibilites.

The official start of financial embargo .... all ready to exclude non-chippers of the MOB
Banks and MicroSoft join in financial embargo of websites -- Feb. 15, 2005
Microsoft, eBay, PayPal and Visa have backed a service that aims to crack down on phishing attacks by creating a central database of known scammers.Online fraudsters often try to trick internet users by sending out emails or links to web pages mimicking popular websites.

The newly launched Phish Report Network allows companies to report fraudulent sites
[ note the generic broad term]
to a central database, operated by IT security firm WholeSecurity.
Companies subscribing to the network [ financial institutions ] can use the database to help improve consumer protection by blocking these sites in their security applications
For example, companies such as eBay, PayPal and Visa [ banks, amazon etc. etc. ] can enter confirmed phishing sites, and software companies, ISPs and security vendors can incorporate the aggregated list into software, email and browser services to help protect consumers against online fraud.
Poised for the ecommerce market ....
Tim Lee, vice president of global e-commerce at Visa,
http://www.vnunet.com/news/1161252

Ingenico -- IBM ; world's largest payment technology retail provider ... Jan. 17, 2005
Retailers to benefit from integration of Ingenico payment terminals with IBM retail store solutions --
NEW YORK, NY, Jan. 17, 2005 /PRNewswire/ - Ingenico, the world's leading provider of electronic payment terminals, announced today at the 94th Annual National Retail Federation Conference that the Company has formed a marketing partnership with IBM, where Ingenico will supply payment terminals and transaction acceptance technology for IBM's Retail Store Solutions organization within the United States.
http://www.prnewswire.com/cgi-bin/stories.pl?ACCT=109&STORY=/www/story/01-17-2005/0002857229&EDATE=

Global Security Authentication -- Feb. 8, 2005
With the acquisition of AOS-Hagenuk, VASCO expands and strengthens its product line and position in the smart card enabled secure e-banking and e- commerce market.
VASCO believes that the combination will allow it to take advantage of current and future opportunities and evolutions in the global smart card authentication business, including the emerging EMV (Europay-Mastercard-Visa) environment
The authentication market has become truly global,"
a strong, international partner was needed to address the current global authentication & security market. I am convinced that the combination of the experience, market vision, R&D capacity and extended product range of both companies will allow them to be successful all over the world."

security-based Internet appliances and secure smart card readers
smart card based authentication devices
http://www.prnewswire.com/cgi-bin/stories.pl?ACCT=109&STORY=/www/story/02-08-2005/0002986285&EDATE=

EMV Integrated Standard ( EuroPay MasterCard Visa ) --Feb 4, 2005
http://english.people.com.cn/200502/04/eng20050204_173001.html

China and the G7 IEO-- International Economic Order -- Feb. 5, 2005
http://english.people.com.cn/200502/06/eng20050206_173132.html


ATM - BIOmetric
japantimes

Bank card identity theft makes for rush to biometric identification -- Feb. 3, 2005
ATMs go biometric
The bank chose palm vein patterns over fingerprints for hygienic reasons -- with palms, customers do not need to touch anything. In addition, many people surveyed by the bank said using fingerprints would make them feel like criminals, Hashimoto said.
Smaller banks are also going with biometrics

It seems impossible at the moment [ ED. but not for long] to link the existing ATMs to all systems," said Nobuyuki Miyaji, a spokesman for IY Bank Co., which operates 9,805 ATMs, primarily at Seven-Eleven convenience stores nationwide.
http://www.japantimes.co.jp/cgi-bin/getarticle.pl5?nb20050203a1.htm

Two-fold ( meaning "strong" or "hybrid" ... or "two-factor" ) token authentication
HiBank will utilize the Authenex Strong Authentication System (ASAS(TM)) and deploy an Authenex A-Key(R) token to banking customers to guard against various threats, including hacking and phishing.
All database information is protected with 128-bit Advanced Encryption Standard (AES).
http://home.businesswire.com/portal/site/google/index.jsp?ndmViewId=news_view&newsId=20050203005620&newsLang=en

Internet shopping: Credit card security
http://pittsburghlive.com/x/tribune-review/business/s_385584.html

Authenex Strong http://www.authenex.com/

Transparent payment flow management by Citigroup -- Feb. 3, 2005
http://www.thehindubusinessline.com/blnus/17031705.htm

Digipass; Vasco Data Security , DataDesign
VASCO Data Security International, Inc. (Nasdaq: VDSI), ( http://www.vasco.com ), the global number one vendor of strong user authentication products to the financial sector, today announced that it has signed a partnership with German e-banking solution provider DataDesign (Xetra: DTD2), ( http://www.DataDesignAG.com ). Together, the companies will offer secure, easy to use and phishing-free e-banking to the German market

VASCO's VACMAN products guarantee that only designated Digipass users get access to the application. With over 12,5 million Digipass products sold and ordered, VASCO has established itself as a world-leader for strong Identity Authentication with over 300 international financial institutions and approximately 1,400 blue-chip corporations and governments located in more than 80 countries
http://www.prnewswire.com/cgi-bin/stories.pl?ACCT=109&STORY=/www/story/01-25-2005/0002900677&EDATE=

Web Site: http://www.vasco.com
http://www.DataDesignAG.com

Even rogue nations can belong to the international banking system
LONDON, Jan 3 (IranMania) - Iranian banking system has the ability to get connected to the international credit card systems, a member of the board of directors of the National Iranian Informatics Company said, adding that there is no legal obstacle to the move.
Seyyed Hassan Navvab-Kashani told ISNA that US sanctions would have no impact on electronic banking-related activities in Iran, stressing that some 1,500 automatic teller machines (ATM) are currently connected to the domestic e-banking network, known here as Shetab.
"We need to bring 100,000 ATMs under coverage of this system," he said, adding that all the existing ATMs would join the system in the near future as part of efforts to develop e-banking in the country.
http://www.iranmania.com/News/ArticleView/Default.asp?NewsCode=28343&NewsKind=Business%20%26%20Economy

IBM and banking
http://www-1.ibm.com/industries/financialservices/doc/jsp/indseg/banking/payments/
http://www.ibm.com/us/

Financing Sharia Globally

Islamic banks seek Sharia Law and Codes -- Feb. 9, 2005
Money is part of the religion for Muslims; it is not something separate," said Fareed Hadi, a Bahraini scholar who serves, among other institutions, on the Shariah board of the Gulf Finance House, an investment bank in Bahrain
There are no more than several dozen scholars with the right combination of knowledge of Islamic law, modern finance and technical English, the language of global banking, to serve on the Shariah committees of institutions based around the Gulf and beyond, according to industry estimates. While the biographies of these specialized scholars vary widely, they tend to have studied Islamic law in the Middle East and received their economic training abroad.

Yusuf Talal DeLorenzo, a leading Shariah scholar based in the United States, said that only in recent years had the academics, bankers and lawyers begun to coordinate what can be a complicated dance of widely diverging interests
Recognizing the shortage of people, Bahrain's central bank is planning to open a center for Islamic finance training, education and research, part of the country's efforts to convert itself into the hub of Islamic finance in the Gulf region.

"This is a business. We are here to make money in a Shariah-compliant way."
http://www.iht.com/bin/print_ipub.php?file=/articles/2005/02/08/business/ibanks.html

Saudi Arabia to build global anti-terror Centre -- Feb. 10, 2005
This, they said, would help address the conditions that produce violence and extremist thinking
Ed. Watch out Christians. We are always libeled as 'extremists'.
http://news.bbc.co.uk/1/hi/world/middle_east/4248125.stm
Isn't Saudi Arabia where Bin Laden is from ?????

Universal Smart Card-- HANIS
Yes indeed.  It has to be a genuine mini computer. In order to allow one to buy and sell it has to know the state of your bank account, minute by minute.  In order to get health care it has to be edited with each doctors visit, etc.. The IRS will take its unfair share with every download of your supposed income.    This makes me wonder how the anti christ will get Muslims to participate in the system?  Will they too yearn for peace and safety enough to accept a mark?    Then, once the deadline for Official Registration is passed, all the State Security police (SS) will have to do is stand on corners and wave magic wands at people.  Who ever is not register is arrested. Simple as that.    What ever happened to the good life?   -alan

Alan,
It seems that the smart card will become the universal ID card, which can allow for information to be added to the microprocessor chip embedded in the card. A quick way for the System to be updated at all times on its citizenry.
Jim

Microprocessor ID card -- HANIS
by 2009, more than 100-million smart cards will be in active use in South Africa.
The report focuses on what are known as "memory cards" and "microprocessor cards", which are in effect plastic cards containing a small microchip.
Memory cards allow only for the storage of data,
whereas microprocessor cards allow for information to be added, deleted or manipulated.
Both types are also known as chip cards, thanks to the computer chip embedded in the card.

The single biggest smart card project this country will see, however, will be the new
Home Affairs National Identification System, known as Hanis,
which will require the replacement of identity documents with around 30-million smart cards --
one for every eligible South African -- during the same five-year period.
The reason for the explosion in smart card usage is simple: It is more secure than any other identification technology that is economically viable and available, can contain updateable information ranging from personal details to fingerprints to identification photos, and is far less prone to forgery than existing systems.
Contact cards and contactless smart cards dictate what kind of card reader has to be in use, since contact cards must be inserted into a reader, or swiped, while contactless cards only have to be passed near the reader."
Contactless cards have both a microchip and an antenna embedded in the card, which allows for it to be detected at a small distance by the reader.
http://mg.co.za/Content/l3.asp?cg=BreakingNews-Business&ao=123196  

Financial firms interconnected
The NYSE has also deployed a geographically dispersed fiber-optic routing backbone that would allow equity brokers to maintain connections to the markets in the event of another 9/11-type of attack. Called the Secure Financial Transaction Infrastructure (SFTI), it connects more than 600 financial services firms.
http://www.computerworld.com/softwaretopics/software/groupware/story/0,10801,95855,00.html

Open System
The system being envisioned in the United States is bolder, tying phone-based payments directly into the customer's Visa, MasterCard, American Express, or other credit-card accounts
ExxonMobil's Speedpass allows drivers to wave a key-chain fob at the pump to buy gasoline. But it is a "closed system" that works only at that company's stations. The new NFC-enabled phones are an "open system" that someday would work at millions of different sales outlets. Comparing Speedpass to NFC phones is like comparing a pair of roller skates to a fully loaded SUV, Kountz says. "It's got all the bells and whistles."
http://www.csmonitor.com/2004/1115/p13s02-wmgn.html?s=u2

Wireless Banking ..easy access on the go
http://www.ameinfo.com/news/Detailed/49945.html

Salvation www.cybertime.net/~ajgood/sal.htm

Bible www.blueletterbible.org