Apocalyptic Hope ........ Smart Card Index ............ Multifunction ............ VeriChip Index

Online banking with Smart Cards ( e-banking ) Translation
includes VISTA etc.

Retail Security http://www.securitypark.co.uk/newsbycategory.asp?categoryid=57&title=retail%20security

From the Newswire; Fair educational use

EAPS European Alliance Payment Scheme ( Brussels ) -- August 2007
http://www.rr-bb.com/showthread.php?t=10144

EAPS from "Farmer Boy" RR MB
By 2010-2011 EAPS is going to be the preferd payment scheme...after the dollar falls due to market forces.
Everyone in the world will be required to use this cashless system.
All Christians should study EAPS and SEPA. Get on Google and do your own research.
EAPS = Euro Alliance of Payment Schemes
SEPA = Single Euro Payment Area
Some helpfull links.
http://www.smartinsights.net/smart-c...challenge-sepa
http://www.europeanpaymentscouncil.eu/
http://www.ecb.eu/home/html/index.en.html
http://europa.eu/geninfo/whatsnew.htm

http://www.rr-bb.com/showthread.php?t=10185

Mobile Signature -- April 4, 2007
Turkcell’s mobile signature program, the largest in the world, will allow users to perform secure online transactions through their handset, anytime, anywhere. From their mobile phone, home PC, or from an Internet café, the subscriber accesses, for instance, the banking site and enters their customer ID for login or giving a transaction order. The bank then sends an authentication request that prompts the user to enter the secret code they chose when they activated the mobile signature service, using their GSM phone.
The SIM card then checks the secret code, creates the digital signature and sends it back to the bank to enable the corresponding transaction on the banking account. What makes this Gemalto mobile signature solution more secure is that it relies on something you own (the private key of your digital signature that is securely carried on the SIM card) and something you know (the secret code). Turkcell’s m-signature program is designed to work with any digital service or application that requires legally binding identity confirmation and approval.
http://www.ebizq.net/news/7891.html

Digipass Belgium -- Jan. 9, 2007
To bank or shop online our clients now only need an Internet Connection, their debit card and a KBC Card Reader.
Because the security technique is linked to the debit card, our clients don't have to remember any passwords either, just their PIN code," says Browaeys.
http://www.finextra.com/fullstory.asp?id=16343

Debit cards now have smart computer chips -- Jan. 5, 2007 ( Card becomes "bank" )
the SCS [ Smart Card Solutions ] SmartTrack prepaid debit program enables users to have a debit card on a prepaid basis without the requirement of a checking account or acceptance by a bank.
Bill Biwer, president of SCS, works with companies to offer prepaid debit card solutions to their customers. SCS is a software development company specializing in system integration for transaction automation, Biwer said.

SCS offer services for prepaid gift card programs, prepaid debit programs and customer loyalty cards. SCS also has extensive services using smart cards, which look like credit cards but instead of a magnetic strip on the back, there is a smart chip on the front of the card. The smart chip is the same technology that is implanted with the SIM card on a mobile phone. Pages of information can be stored on the smart chip, whereas only bank account information is stored on a magnetic strip.
“SCS does the cardholder accounting process,” said Doug Martin, chief financial officer for Cornerstone Bancard in Atlanta. “A cardholder loads the card with $200 and SCS’ system puts $200 dollars on the card. A cardholder uses a card at an ATM or a point-of-sale terminal, spending $53, and SCS’ system captures the payment records, deducts the amount from the cardholder balance and also provides online access so that the cardholder can get online and look at the transactions.”

Ed: Cornerstone has same cards for religious organizations.
"Yo It’s Me is a company centered on enabling everyone to take advantage of card technology on a prepaid basis. Yo It’s Me also brands its cards with other companies"
http://www.biztimes.com/news/2007/1/5/hartland-company-provides-technology-solutions-for-debit-cards

Comodo Two-Factor TF ...turning your PC into a smart card -- Dec. 21, 2006
The customer simply needs to go through a one-time automated authentication/ installation of a digital certificate onto their PC, which effectively converts the PC into a "smart card" or authentication token. Once installed, a customer does not change their behavior and can simply continue to use their existing username/ password as normal yet be authenticated to the bank in a more secure manner
http://www.indiaprwire.com/pressrelease/computer-software/200612211400.htm
http://www.comodogroup.com/banking/

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: Does the image portray a "666" ? That too we will have to forego.
Number portrayed 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.

Dec. 31, 2006 Deadline for banks to have multi-authentication compliance
"As Frost Bank guns for the Federal Financial Institutions Examination Council's finish line, it may be a few lengths short when the fast-approaching multi-factor authentication compliance deadline arrives on December 31. The San Antonio-based institution expects to have its online high-risk compliance components for retail customers lined up, but it won't put a bow on its more complex commercial banking authentication upgrade until after the new year. ...
mutual authentication, biometrics, behavioral-based, digital certificates, etc.
Frost is deploying the PassMark mutual authentication solution from EMC's newly acquired RSA Security, but plans a more stringent PKI digital-signatures tool for business banking next year. [ 2007 ]...
Banks must also be cognizant of how evolving Internet and security standards will impact their choices, such as ubiquitous smart-card support in Microsoft's upcoming Vista operating system, a potential market-shift product
displacing token solutions"
http://www.banktechnews.com/article.html?id=20060801UEK1NOYH
see also
http://searchsecurity.techtarget.com/originalContent/0,289142,sid14_gci1226312,00.html

Financial world wants IMAGES ( please see Rev. 14:9-11 )
Consumers who are banking online are encountering such images and countless more as banks implement new processes to safeguard their clients' identities. Banking regulators have demanded that institutions with online banking operations beef up their methods for properly identifying customers when they log on. Banks and credit unions have until the end of this year to install a process called two-factor authentication, which requires consumers to use more than a password and PIN to identify themselves when they log on to their bank's site. That might involve acknowledging an image like an appliance or an animal. Regulators are trying to protect consumers from intrusions online and identity theft.

A Tech CU member creates a personal welcome phrase that he or she sees every time he or she logs in to the banking site. Then a random unique image is issued to the customer.
"We allow them later to select an image from our image database after they complete the initial enrollment. They see this each time they log in," Smilgys said. http://www.insidebayarea.com/business/ci_4318195


BioGuard, Ergosis and AIM-- Nov. 27, 2006 www.globes.co.il
http://www.globes.co.il/serveen/globes/docview.asp?did=1000154320&fid=1725

SiteKey [ Image ] OnLine Banking for authentication -- Nov. 23, 2006
The mandate cites pass-code fobs, smart cards, fingerprint readers and systems that monitor for suspicious transactions as promising tools. It does not, however, endorse a specific technology. By the end of 2006, 10 percent to 15 percent of the nation's 8,900 banks will have some form of two-factor authentication in place. By the end of 2007, virtually all will, TowerGroup says.
RSA Security, a division of EMC; VeriSign and others preach wider use of tiny devices and software that make it harder for crooks to gain access to online banking accounts. They include Universal Serial Bus (USB) tokens that must be plugged into a computer's USB port to gain access to an online account

Leading the financial charge, Bank of America, the largest U.S. bank, last year unfurled a service called SiteKey, which is used by up to 20 million of its online customers. It requires that customers acknowledge a pre-selected image and phrase to verify they have reached the authentic BofA Web site. Customers who try to log in from a computer away from home must also answer a predetermined challenge question. The customer chooses the image, phrase and question.
http://indystar.gns.gannett.com/apps/pbcs.dll/article?AID=/20061122/TECH01/609070419/1001/TECH

Gemalto makes first contactless smart bankcard -- Nov. 8, 2006
Gemalto, a world leader in digital security, has launched an innovative banking microprocessor card to perform multiple types of Visa payments: contact EMV (Europay MasterCard Visa), EMV-based contactless and magnetic stripe data contactless. The Gemalto card is the first contactless product that meets Visa's global contactless specification for interoperability and will be available in mass volumes to major financial institutions starting January 2007.
http://www.contactlessnews.com/news/2006/11/08/gemalto-introduces-worlds-first-banking-card-meeting-the-visa-global-contactless-specification/

CenterTools DriveLock -- secure banking data -- Nov. 15, 2006
We are having significant success in protecting sensitive data belonging to European banks, insurance companies, financial organizations, military installations, healthcare facilities and government, and we feel the North American Market is in critical need of our technology."
DriveLock has comprehensive device support, which also includes control over other devices, such as Bluetooth, Palm, Windows Mobile, smart card readers, imaging-devices, network adapters, modems, infrared, USB controllers, 1394 (Firewire) controller, sound, video and game controllers, PCMCIA controllers and printers.

"Unlike other data security solutions, Drive Lock does not complicate the process of providing security for mobile devices. Administrators find it easy to use since it can easily integrate with an existing Active Directory-based infrastructure and utilizes the familiar Microsoft Management Console for all administration. It also allows for central reporting of all device activity in a network. At the same time, it allows for granular control to adjust to any organization's specific security requirements," continues Prieskorn.

After years of success in the European market we feel our DriveLock security product is poised to deliver a complete data security solution for removable devices to data sensitive organizations in the US market," states Mike Prieskorn, Managing Director CenterTools Software GmbH.
http://www.emediawire.com/releases/2006/11/emw477848.htm

The god of Convenience --Nov. 8, 2006
The EMV mandate has been the most decisive factor in the migration of all magnetic-based banking cards to chip-based cards. Contactless payment technology has also become a driving force in the uptake of financial smart cards with the punch line being stressed on the ease of payments. All these factors coupled with the assurance of more safer and secure means of financial transactions have provided a good business case for the Asian market to take up smart cards for the banking segment.
"Banks are also looking at chip-based cards for the purpose of product differentiation from other banks. Countries that have not yet shifted to chip-based cards are planning on doing so immediately, for fear of fraudulent activities being shifted to their respective regions
http://sev.prnewswire.com/computer-electronics/20061107/DATU04308112006-1.html

BSA Bank Secrecy Act
DCI, a provider of full-service bank technology and processing solutions to the financial industry, announced the release of BSA Navigator(TM), a Bank Secrecy Act (BSA) compliance software solution developed through a strategic alliance with Alpharetta, Ga.-based Benchmark Technology Group.
DCI offers BSA Navigator as a solution to capture, aggregate and monitor the reporting of large cash transactions and suspicious cash activity across branch networks directly at the teller line. As an early alert system, BSA Navigator stops potential BSA violations by prompting tellers for additional information as transactions are being performed
http://biz.yahoo.com/bw/061013/20061013005638.html?.v=1

Digipass 905
Digipass 905 is fully interoperable with all PC/SC enabled applications and all smart cards and is therefore especially suited to be used in the e-government, corporate e-banking and Enterprise Security sectors. Typical users are CFO’s of companies who transact substantial amounts of money every day, employees of financial institutions, public servants and citizens. Download pictures of Digipass 905 at www.vasco.com/digipass-905 .
http://www.boursonews.com/2006_vasco_46959_news-bourse.html

DIEBOLD

Biometric ATMs -- Dec. 3, 2006 ... enabling a police state
In a day not too far off in the future, fingerprint analysis, iris recognition, voice recognition or combinations of these technologies will come to the rescue. DieBold, the friendly voting machine folks, are working on this for us. Standard Bank in South Africa has fingerprint verification ATMs manufactured by DieBold in use and the company is fast at work figuring out what technology works the best. Once they do, you may see biometric ATMs in your neighborhood
According to Citibank, biometric ATMs "have been tailored to meet the needs of the under-banked, lower income segment" and will feature "voice-enabled navigation facility aimed at illiterate customers," Moneycontrol reports. "Citibank plans to establish a network of 25 to 35 such ATMs within a year," for now in Mumbai and Hyderabad
Of course, this gets the "tech-savvy consumer" prepared for biometric technology everywhere, not only at the airport but the grocery store and bank. Biometric will connect to every possible aspect of life that requires a transaction or security requirement.
It’s a small step from a biometric ATM card to a subdermal microchip.

Seems Applied Digital is positioned to cash in on the coming electronic panopticon,"a police state characterized by omniscient surveillance and
mechanical law enforcement,[ Ed: automated ] " as Charlie Stross characterizes it.
Applied Digital, Citibank, Disney, and other corporate behemoths may attempt to sell us on biometric convenience and safety, but the eventual use of these technologies will ultimately fall in the domain of surveillance and control.
"Surveillance need not even stop at our skin," with the collection of fingerprints and iris scans, Stross notes, because "the ability to monitor our speech and track our biological signs (for example: pulse, pupillary dilation, or possibly hormone and neurotransmitter levels) may lead to attempts to monitor thoughts as well as deeds. What starts with attempts to identify paedophile predators before they strike may end with discrimination against people believed to be at risk of 'addictive behavior’—howsoever that might be defined—or of harboring anti-social attitudes," for instance disagreeing with the government.

"A Panopticon Singularity [ Ed: all pervasive ID finder ] is the logical outcome if the burgeoning technologies of the singularity[ Ed: targeting individuals ] are funneled into automating law enforcement. Previous police states were limited by manpower, but the panopticon singularity substitutes technology, and ultimately replaces human conscience with a brilliant but merciless prosthesis."
[ Ed: arbitrary; without mercy , or extenuating circumstances; unreasonable ]
It will not take another forty years to realize the panopticon singularity—it is right around the corner, beginning with the Real ID Act in 2008, a biometric scheme approved by our wonderful "representatives" that will be implemented and supervised by the Orwellian Ministry of Homeland Security, a massive federal bureaucratic boondoggle created to protect us from non-existent "al-Qaeda" terrorists.
It makes perfect sense Real ID was slipped into a $82 billion military spending bill.

In Philip K. Dick’s short story, Minority Report, set in 2054, as realized by Steven Spielberg in his 2002 film, everyone is automatically
[ Ed: without knowledge or consent ] eye-scanned and tracked in public, thus not only allowing the police state to keep tabs on every individual, but also target them for odious marketing efforts. It is a prefect marriage of corporations and the state, both fascist in character, as Mussolini described fascism as corporatism and vice versa.

the reality of a biometrically scanned and chipped future is almost too hellish to imagine, far worse than anything Steven Spielberg could possibly dream up
http://www.uruknet.de/?p=m28704

Diebold, ( yesterday and today ) ATMs, e-voting-- Oct. 31, 2006
Canton became known as "Little Germany," thanks to the thousands of immigrants who flocked to work in the Diebold factories. (German immigrants arriving in New York reportedly only had to say "Diebold" for directions to Canton-bound trains.)
By the beginning of the 20th century, the company was making jails, trapdoors for gallows, and padded cells for asylums. During World War II it made armor plating for tanks and airplanes. Then, in the 1960s, the company bet its future on a speculative technology: automated teller machines. http://money.cnn.com/magazines/fortune/fortune_archive/2006/11/13/8393084/?postversion=2006103014

Online Banking
U.S.-based Teridian Semiconductor Corp. is unveiling at Cartes three new chips designed for use in smart card readers. The 73S1217F, is designed for the kinds of handheld readers used to authenticate cardholders for online banking or corporate network log-on
http://www.cardtechnology.com/article.html?id=20061103C1E3OQQA

Bank Revenues and nfc payments -- Oct. 16, 2006
The thinking among telcos now is they may be able to collect revenue by charging banks fees for downloading the payment applications over their networks and to rent space on the SIM or, perhaps, other secure tokens in the handsets. They could do the same by charging transit operators and entertainment venues for ticketing services and merchants for loyalty programs. And each time a subscriber buys a new ticket or downloads a coupon, the telco could ring up another fee from the service provider.
France-based Inside Contactless has proposed that subscribers could download the payment application to a secure chip in the phone, but could not activate it without permission from the SIM card. “The SIM is a remote switch for the (mobile) carrier,” says Philippe Martineau, head of NFC business at Inside
http://www.cardtechnology.com/article.html?id=20061012KR45K3PS


BBB Better Business Bureau cautions about Online Banking
http://www.theadvertiser.com/apps/pbcs.dll/article?AID=/20061011/BUSINESS01/610110313/1046/BUSINESS

personal chips for banking -- Oct. 15, 2006
For example, information from the RFID-enabled bank card ( Ed: smart card ) could allow counter staff to address the customer by name or provide "no-lineup" service to special customers. Other examples might involve a branch manager using the alert signaled by the RFID card to remind customers that their term deposit is maturing shortly, and to give them an opportunity to discuss various reinvestment options during their in-branch visit. Or perhaps a customer's pending car loan application has just been approved. The customer could be invited to complete the paperwork, on the spot.

Today, we are connecting all the dots with a fully loaded, highly secure Personas M Series 76 ATM that is equipped with a broad range of fraud-prevention and security features." Featured on this enhanced ATM is a card reader that supports the global EMV-certified chip-based card initiative, a new security standard aimed at reducing counterfeit card fraud and card skimming. Other security features include an integrated biometric (fingerprint recognition) device and NCR's award-winning Intelligent Fraud Detection (IFD) technology which can sense any changes to the ATM environment.
http://www.cnw.ca/fr/releases/archive/October2006/11/c6845.html
http://www.noticias.info/asp/aspComunicados.asp?nid=229396&src=0

Have Chip, get VIP treatment -- Oct. 15, 2006
Similar to the portal at a store's exit doors, NCR's new RFID Branch Portal concept can read RFID-enabled bank cards when cardholders enter the branch. Within the branch environment, the information from the card could be sent to a teller station, the branch manager's PC or a personal digital assistant (PDA) to initiate prompt, personalized service
http://www.newswire.ca/en/releases/archive/October2006/06/c5935.html

North America : G & D ( Germany) to head ebanking from Canada -- Oct. 11, 2006
EMV is designed to achieve a greater level of interoperability and security using a chip design for cards rather than the conventional magnetic stripe. The tighter security, enabled by a series of encryption algorithms, should make financial transactions safer. Reports suggest that the incidence of fraud when “smart cards” are used is lower than with mag-stripe cards.
To take advantage of the technology, “we have a competency centre that we're establishing . . . for Mexico, the U.S. and Canada,” said Madore. “This will allow us to be able provide top-level service.”

The institution's 3,000-plus ATMs and 40,000 point-of-sale terminals are being upgraded to interoperate with the smart cards with an initial target date of 2008.
G&D will also use its facility to develop other applications for smart cards, such as e-passports (which is a growing concern in the U.S.), driver's licences and cell phone, and mass transit cards
http://www.itbusiness.ca/it/client/en/home/News.asp?id=40824

10 % of population now ( 2006 ) do Online Banking
In a new report, "Online banking: Moving toward a new paradigm," Aite Group LLC forecasts that by 2010, 13% of checking accounts will be opened online in the United States, up from 3% in 2006.
Aite recommends that online banking channel vendors offer value-added services, such as online marketing outsourcing, to remain competitive. Vendors mentioned in the report include CheckFree Corp., eFunds Prepaid Solutions, MasterCard Remote Payment and Presentment Service, Metavante Corp., Princeton eCom, Visa ePay and Western Union.
http://www.greensheet.com/PriorIssues-/060902-/2.htm

Banking
It is a chip-enabled, biometric (finger-print) based smart card with a photo and a unique identification number, which can also be used for other identification needs. The bank has opted for smart POS terminals instead of expensive ATMs. It is already rolling these out in rural India, signing nearly 2,000 customers a day. It has set itself a target of 10,000 customers a day in about two months.
A fortnight before, Citibank launched a beta site in Hyderabad with a biometric (finger-print) based ATM card. Its country head, Sanjay Nayar, says, “The next beta site will be an ATM somewhere in the middle of Dharavi.” Usually disparaged as Asia’s largest slum, Dharavi is a throbbing centre of tiny businesses. Citibank plans to introduce small denomination recurring deposits for these customers; once they establish a credible credit history over 6-12 months, they would be eligible for small loans of upto Rs 5,000.
http://www.financialexpress.com/fe_full_story.php?content_id=140662

DOMIPASS
Christian Le Garnec, Remote Banking Department Manager at BCME says: "Our electronic banking offering is well known on the market, it seemed natural to choose an authentication solution based on the EMV standard. Working with XIRING and worldwide standards enables us to leverage the investments made on the EMV payment system
The user enters his ID on the bank's web site and is asked a "challenge". To respond, he inserts his "Domipass Entreprise" smart card in the Xi-sign 4000, enters his four-digit pin code and the "challenge" number. The Xi-Sign reader then displays the "response" to the "challenge": a one-time-password (OTP) generated by the chip. This eight-digit OTP is valid for a single transaction and is used as the final stage of authentication when accessing bank services via the web portal. This system is the best protection against identity theft. XIRING's Xi-Sign 4000 complies with VISA "Dynamic Password Authentication" and MasterCard "Chip Authentication Program".
http://www.finextra.com/fullpr.asp?id=11617

Contactless Banking
Keycorp’s contactless MULTOS technology is already being used in a multifunction card for banking and transit in Taiwan, which is the world’s first MasterCard OneSmart PayPass Chip Combi Card, known as the TaiwanMoney Card.
As a result of the certification by MasterCard, Keycorp is now able to work with a number of card manufacturing partners to offer a contactless chip payment product for general use by any issuer worldwide who wants to offer a OneSmart PayPass product.
http://www.itwire.com.au/content/view/5643/49/

How do you do home banking ?
http://www.mi2g.com/cgi/mi2g/frameset.php?pageid=http%3A//www.mi2g.com/cgi/mi2g/press/171199.php

MANDATED e-government and e-payment -- July 31, 2006
The finance ministry has made it mandatory for all government departments and public sector companies to go in for e-procurement and e-payment to save on costs.
In a major concession to the changing ways the government does business, e-procurement and e-payment will be the norm for all departments. This means tax filing and refund orders, booking of contracts and even the exchange of salary advice for the millions of government employees, will be done electronically.
This has become necessary as the government has aggressively promoted quarterly cash management in key ministries. It is critical in such an environment to have cash expenditure statistics to be online, for the departments to have access to on time funds.
http://infotech.indiatimes.com/articleshow/1827129.cms

Smart Health Card does finances too -- August 14, 2006 ... United Health Group
"multi-purse " capability -- Exante Fianancial Services
"Today, even advanced types of benefit ID cards typically contain only health benefit information. Consumers who have a health financial account must carry a separate debit card to access it. Exante's new integrated card will combine these two capacities into one card, while also expanding account access to multiple health accounts, known as a "multi-purse" capability. Combining these onto a single card will not only improve ease of use, but will also enable consumer access for the first time to multiple health accounts (i.e. Health Savings Account, Flexible Spending Account) using the same card. This feature will enhance the patient's ability to pay at point of service in the doctor's office or other care facility."

As UnitedHealth Group prepares to launch a real-time claims adjudication capability, which will enable care providers to process a claim and immediately determine the amount owed by the patient, the ability to pay from any eligible health account at the point of service will become critical. This card will respond to that emerging need. "http://home.businesswire.com/portal/site/google/index.jsp?ndmViewId=news_view&newsId=20060814005504&newsLang=en

Shop till you drop ; 24 hr. unmanned stores -- Aug. 19, 2006
technology: the lesser god
His concept of technology-driven retail format will operate 24 hours like an ATM, with the purchases made possible through a smart card. Each consumer will bear a PSA (personal store account number) to make this possible ...
We will just let technology run the shop,” says Dipen Jain, managing director
http://cities.expressindia.com/fullstory.php?newsid=197361

"Cashless Commerce" at Hanover World Cup -- August 8, 2006
http://www.moneyweb.co.za/business_today/903461.htm

Kiosks -- no more cashiers at banks -- Sept. 21, 2006
Barclays has been nominated for its successful deployment of 512 Wincor Nixdorf kiosks across the UK, which bring the functionality of Internet banking into Barclays' branches. Customers can use the touch-screen kiosks to administer their accounts, pay bills and transfer money without waiting in line to see a cashier. ...
Germany's federal workforce "pro Cash "
Recipients of unemployment/social security benefits now have immediate access to their funds, and enjoy improved security against fraud and tampering with reusable ""check cards" with smart card technology
http://newsblaze.com/story/20060920225340youn.np/newsblaze/NEWSWIRE/NewsBlaze-Wire.html

Banks: Getting prepared for the global economic system -- Aug. 13, 2006
Lipman is a leading worldwide provider of electronic payment systems. Lipman develops, manufactures and markets a variety of handheld, wireless and landline POS terminals, electronic cash registers, retail ATM units, PIN pads and smart card readers, as well as integrated PIN and smart card ("Chip & PIN") solutions. In addition, Lipman develops technologically advanced software platforms that offer comprehensive and customized transaction processing solutions for its customers, as well as managed professional services such as on-site and call-center support with remote terminal management.
Lipman's corporate headquarters and R&D facilities are located in Israel. www.lipman.biz
http://storage.itbusinessnet.com/articles/viewarticle.jsp?id=50137

Verichip poised for financial transactions
( Ed: and they sure can't scan the inside of your arm at the grocery store scanner )
Scott Silverman: "I think it depends on what you want the database to be. Today, in 2006, the primary reason for the database is clearly the medical records and the medical applications. If you decide to use it in lieu of your smartcard to get into your building, again, that’s a decision that you make as the person that has the VeriChip to use it for a security application."

" If, down the road, it turns into a financial transactional source, and you make the decision to use it for that, whether it be a credit card or an ATM (or obviously in lieu of those things) then you make that decision. So I don’t necessarily think that the database that is being created from the VeriMed system today and what may come down the road is any different than any other database out there. In fact, because of the tamper proof and secure hardware, I think the database is probably better protected than most databases out there in today’s society. "
http://www.aimglobal.org/members/news/templates/rw.asp?articleid=1279&zoneid=42

ONline Banking ( Vista software, CLM etc.)

.NET card --Oct. 27, 2006
Gemalto, a digital security company formed in June 2006 by the combination of Axalto and Gemplus, has integrated its .NET smart cards with Microsoft Certificate Life Cycle Manager (CLM). The integration enables customers to streamline deployment and management of Gemalto smart cards using CLM.
The microprocessor-based Gemalto .NET card runs a streamlined version of the .NET framework. It provides full cryptographic capabilities, customizable two-factor authentication and support for on-card services seamlessly within the Windows environment. Support for Gemalto’s .NET smart cards is integrated into Windows Vista, making smart cards easy to deploy and seamless to use without requiring any additional software or middleware
http://www.cgidir.com/news/press/061027GemaltoNET.html

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


Bible www.blueletterbible.org