JEWISH KING JESUS IS COMING AT THE RAPTURE FOR US IN THE CLOUDS-DON'T MISS IT FOR THE WORLD.THE BIBLE TAKEN LITERALLY- WHEN THE PLAIN SENSE MAKES GOOD SENSE-SEEK NO OTHER SENSE-LEST YOU END UP IN NONSENSE.GET SAVED NOW- CALL ON JESUS TODAY.THE ONLY SAVIOR OF THE WHOLE EARTH - NO OTHER.
1 COR 15:23-JESUS THE FIRST FRUITS-CHRISTIANS RAPTURED TO JESUS-FIRST FRUITS OF THE SPIRIT-23 But every man in his own order: Christ the firstfruits; afterward they that are Christ’s at his coming.ROMANS 8:23 And not only they, but ourselves also, which have the firstfruits of the Spirit, even we ourselves groan within ourselves, waiting for the adoption, to wit, the redemption of our body.(THE PRE-TRIB RAPTURE)
EZEKIEL 7:19
19 They shall cast their silver in the streets, and their gold shall be removed:(CONFISCATED) 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.
LUKE 2:1-3
1 And it came to pass in those days, that there went out a decree from Caesar Augustus, that all the world should be taxed.
2 (And this taxing was first made when Cyrenius was governor of Syria.)
3 And all went to be taxed, every one into his own city.
REVELATION 13:16-18
16 And he(THE FALSE POPE WHO DEFECTED FROM THE CHRISTIAN FAITH) causeth all,(IN THE WORLD ) both small and great, rich and poor, free and bond, to receive a mark in their right hand, or in their foreheads:(MICROCHIP IMPLANT)
17 And that no man might buy or sell, save he that had the mark,(MICROCHIP IMPLANT) or the name of the beast,(WORLD DICTATORS NAME INGRAVED ON YOUR SKIN OR TATTOOED ON YOU OR IN THE MICROCHIP IMPLANT) or the number of his name.(THE NUMBERS OF HIS NAME INGRAVED IN THE MICROCHIP IMLPLANT)-(ALL THESE WILL TELL THE WORLD DICTATOR THAT YOUR WITH HIM AND AGAINST KING JESUS-GOD)
18 Here is wisdom. Let him that hath understanding count the number of the beast:(WORLD LEADER) for it is the number of a man; and his number is Six hundred threescore and six.(6-6-6) A NUMBER SYSTEM (6006006)OR(60020202006)(SOME KIND OF NUMBER IMPLANTED IN THE MICROCHIP THAT TELLS THE WORLD DICTATOR AND THE NEW WORLD ORDER THAT YOU GIVE YOUR TOTAL ALLIGIENCE TO HIM AND NOT JESUS)(ITS AN ETERNAL DECISION YOU MAKE)(YOU CHOOSE YOUR OWN DESTINY)(YOU TAKE THE DICTATORS NAME OR NUMBER UNDER YOUR SKIN,YOUR DOOMED TO THE LAKE OF FIRE AND TORMENTS FOREVER,NEVER ENDING MEANT ONLY FOR SATAN AND HIS ANGELS,NOT HUMAN BEINGS).OR YOU REFUSE THE MICROCHIP IMPLANT AND GO ON THE SIDE OF KING JESUS AND RULE FOREVER WITH HIM ON EARTH.YOU CHOOSE,ITS YOUR DECISION.
REVELATION 6:5-6
5 And when he had opened the third seal, I heard the third beast say, Come and see. And I beheld, and lo a black horse; and he that sat on him had a pair of balances in his hand.
6 And I heard a voice in the midst of the four beasts say, A measure of wheat for a penny, and three measures of barley for a penny; and see thou hurt not the oil and the wine.(A DAYS WAGES FOR A LOAF OF BREAD)
CHIP UNDER THE SKIN
https://www.youtube.com/watch?v=LZ0YPDYx6lU
https://www.youtube.com/watch?v=kI-RAMBPz6w
https://www.youtube.com/watch?v=EcHQGno4EHQ
https://www.youtube.com/watch?v=HdxfG5MDk0I
https://www.youtube.com/watch?v=KatuQlioeRg
https://www.youtube.com/watch?v=9j9YHTwbPLo
https://www.youtube.com/watch?v=2DcAOkSUFlU
BIDEN AND CHIP IMPLANT-u will vote on it
https://www.youtube.com/watch?v=FQw68jl7KXc
https://www.youtube.com/watch?v=RvYnWBdmcQk
HUMAN CENTRIC SENSING
http://rsta.royalsocietypublishing.org/content/370/1958/176
INTERAC
https://www.interac.ca/en/security/what-is-chip
https://www.interac.ca/en/interac-debit/interac-debit-for-consumers
Chip implants beneath the skin bring a new meaning to 'pay wave'-Date May 30, 2015 Hannah Francis-Technology Reporter
Micro-chip implants for making payments and locking doors are the next frontier, but are the pitfalls worth it? Amal Graafstra holding a large hypodermic needle - the kind needed to inject an RFID chip into your hand.Amal Graafstra holding a large hypodermic needle - the kind needed to inject an RFID chip into your hand. Photo: Supplied Most tech-heads like to tinker with the inner workings of iPhones or clapped out VCRs.But Amal Graafstra is different. For the last 10 years, he's been busy hacking into his own body.His US company Dangerous Things specialises in manufacturing rice grain-sized computer chips designed to be implanted inside the delicate webbing between the thumb and forefinger.Dangerous Things founder Amal Graafstra has an RFID chip implanted in each hand.Dangerous Things founder Amal Graafstra has an RFID chip implanted in each hand. Photo: Supplied-"Getting an ear piercing is many times more risky," he says, reassuringly.The bionic-grade glass chips use radio-frequency identification (RFID) to control electronic objects with the swipe of a hand - from the lock on a front door to a car ignition or a personal computer.It's the same kind of technology used in pet ID tags; by itself, the chip doesn't do much, but when it comes into close contact with a "reader" device, it will transmit information that can then trigger commands.The bionic glass chips are about the size of a grain of rice.The bionic glass chips are about the size of a grain of rice. Photo: Supplied-The chips only cost $US99 a pop, and while their core market is a handful of dedicated geeks - including a few in Australia - Graafstra says he's increasingly noticing a new kind of customer."What is becoming clear is there are more individuals purchasing the chips who have less knowledge about the technology," he says."They're into gadgets and they're geeky but they're not necessarily building their own stuff, so the type of customer is expanding slowly."NFC chips are increasingly used for instant payment methods, including via smartphones-NFC chips are increasingly used for instant payment methods, including via smartphones. Photo: Visa-RFID chips are becoming more common elsewhere, too.The most well-known standard of RFID is near-field communication (NFC), increasingly used in instant, digital payment transactions, which facilitate credit card payments in a matter of seconds with a simple tap.Visa this week announced a partnership with the University of Technology Sydney to develop new wearable technologies. Alongside the announcement came a sensational figure from its own research, purporting to show that a quarter of Australians were "at least slightly interested" in having an NFC chip implanted in their skin for payments.Visa and UTS have since clarified they were not actively developing implant technologies themselves, but the alarm bells are already ringing.Social futurist Mal Fletcher, who heads up the London- based think tank 2020 Plus, responded with an Op Ed warning of the potential pitfalls of "subcutaneous spending devices".These included bodily hacking; mass surveillance from commercial parties collecting our personal data; rising instances of "digital debt" thanks to the abolition of physical money and its tangible value associations; links between implants and cancer; and even the potential to cause early-onset dementia. Fletcher insists he's not an alarmist - just cautious."We have to look at not just where technology is now but the principle behind it," he says."I'm not trying to make payments companies into the bogyman," he says. But he points out that it is in their interests to lead the push towards a cashless society, where ease of transactions and detachment from money encourage impulse spending - and everyone's spending habits are dutifully logged.Graafstra counters that chip implants are not too far removed from where we are today, where day-to-day living depends on the binary transactions of bank cards, swipe cards and serial numbers - all traceable back to our ID."We're already in a position where we have no real control over our digital assets," he says.At least chip implants can eliminate the stress of being mugged - or can they? The threat of hacking RFID chips is real, says Linus Information Security Solutions director Mike Thompson, and the upsides may not be worth it.The assumption that NFC chips can only be read at very short distances is misplaced, he says, citing "plenty of examples" where people have accessed them over distances of several metres using specialised antennas.These security flaws can be mitigated with the addition of passcodes or PINs - which can be added to smartphones or wearables, but not to the palm of your hand (yet).An aluminium shield also works; for instance, a special aluminium wallet to protect your NFC-enabled credit card from would-be hackers.Thompson is sceptical of the advantages of embedding chips into one's body over, say, clothing or other wearable devices."Is opening a door automatically when you are naked that important?"Read more: http://www.smh.com.au/digital-life/digital-life-news/chip-implants-beneath-the-skin-bring-a-new-meaning-to-pay-wave-20150528-ghbq71.html#ixzz3kPNg1Ogs
What consumers need to know about chip technology in charge cards By Jasen Lee, Deseret News-Updated: Thursday, July 30 2015 6:08 a.m. MDT-EMV is an acronym that stands for Europay, MasterCard and Visa, the three companies that created the standard that is now managed by EMVCo.
Across the country, financial institutions are introducing the EMV chip card that will be widely used by the end of 2015. The new credit card improves fraud protection for consumers and changes the way they make payments.“In essence, it’s pushing fraud out of the system, which is really something we need in the U.S.”
SALT LAKE CITY — Smart technology is fast becoming the standard in virtually every industry, including retail commerce.With millions of consumers spending billions of dollars annually, the potential for fraud is nearly as great as the sum of profits reaped by retailers and the credit card companies that are integral in the process.Across the country, financial institutions are introducing the EMV chip card that will be widely used by the end of 2015. The new credit card improves fraud protection for consumers and changes the way they make payments.EMV is an acronym that stands for Europay, MasterCard and Visa, the three companies that created the standard that is now managed by EMVCo, a consortium with control split equally among Visa, MasterCard, JCB, American Express, China UnionPay and Discover, explained Richard Reed, Zions Bank executive vice president and director of bankcard and customer channel management.“In essence, it’s pushing fraud out of the system, which is really something we need in the U.S.,” Reed said.EMV is a payment application that resides in a computer chip embedded in a credit or debit card, he said. By the end of the year, U.S. financial institutions will issue 600 million chip cards, which are approximately half of all cards in circulation, according to the online EMV Migration Forum.EMV cards are smart cards that store their data on integrated circuits rather than magnetic stripes, though many of them also have stripes for backward compatibility. They can be contact cards that must be physically inserted — or "dipped" — into a reader, or can be read over a short distance using radio-frequency identification technology, Reed said.Additionally, payment cards that comply with the EMV standard are often called chip-and-PIN or chip-and-signature cards, depending on the exact authentication methods required to use them, he added.The migration to EMV is expected to greatly reduce counterfeit card fraud, enable cardholders to use secure EMV payment cards globally and prepare for near field communication — or NFC — mobile contactless payments, explained Don Oldroyd, senior examiner with the Utah Department of Financial Institutions. NFC is a standards-based wireless communication technology that allows data to be exchanged between devices that are a few inches apart.The chip card performs cryptographic processing by assigning a unique code to each transaction to help prevent data being fraudulently reused. Analysts say that EMV technology will be the standard payment application for significantly enhanced security.The standard has been in use across Europe for years, Oldroyd said.“They’ve greatly reduced the fraud when people have used their (EMV) cards,” he said.The sooner the U.S. adopts the standard, the sooner fraud will begin to decline here as well, Oldroyd added.Three months ago, Target agreed to pay $19 million to banks that issued MasterCards involved in a 2013 data breach. Filings with the U.S. Security and Exchange Commission showed that the breach cost the retailer another $252 million in expenses in addition to a class action suit for $10 million.In December 2013, hackers stole 40 million credit and debit card numbers along with 70 million data records, including names, mailing addresses, email addresses or phone numbers of Target customers, the company reported.This fall, the Payment Networks’ Liability Shift associated with EMV is due to take effect in the United States.Currently, credit card issuers are liable for most counterfeit card fraud that occurs at retailers’ in-store locations. But starting Oct. 1, that responsibility will swing to merchants in certain cases unless they have replaced or upgraded their card acceptance and processing systems to use chip-enabled devices and applications to process payment transactions.“The intent here is to really incent both parties to go ahead and implement the technology so that you get the power and the benefit of this higher security payment card,” Reed said.With the added benefit of encryption, “it makes it really difficult for fraudsters to replicate,” he said.Though criminals will always seek methods of committing fraud, this new standard will go a long way toward preventing future breaches like the Target case, Oldroyd said. However, the potential for hacking may still exist for an individual’s online purchases, he noted.“Who knows? Maybe the fraudsters are going to migrate more toward that type of transaction,” Oldroyd said. “Nevertheless, we hope to see the EMV standard adopted.”Reed said digital payment methods, such as Apple Pay or Google Wallet, might also become a tactic to limit fraud while providing consumers with an efficient manner to pay for purchases.Overall, industry officials say the EMV method should offer consumers a safe, effective option to conduct their retail business.“It’s going to be a different user experience,” Reed said. “Today, we’re used to taking out our cards and swiping them. When you get an EMV card, it will be a dip transaction much like what we do (at ATMs).”Email: jlee@deseretnews.com -Twitter: JasenLee1
The Low-Down on Chip-and-PIN Cards-Chip and Pin Card Machine, Europe-When Europeans buy something with their chip-and-PIN card, they insert the card in a machine like this one, then type in their PIN.By Rick Steves
Europe — and the rest of the world — is adopting a new system for credit and debit cards. While handy for locals, these chip-and-PIN cards are causing a few headaches for American visitors: Some machines that are designed to accept chip-and-PIN cards simply don’t accept US credit cards. This news is causing some anxiety among American travelers, but really: Don’t worry. While I’ve been inconvenienced a few times with automated machines that wouldn’t accept my card, it’s never caused me any serious trouble. Here’s the scoop:Today, outside the US, the majority of all cards are chip cards. These “smartcards” come with an embedded security chip (in addition to the magnetic stripe found on American-style cards). To make a purchase with a chip-and-PIN card, the cardholder inserts the card into a slot in the payment machine, then enters a PIN (like using a debit card in the US) while the card stays in the slot. The chip inside the card authorizes the transaction; the cardholder doesn’t sign a receipt.My readers tell me their American-style cards have been rejected by some automated payment machines in Great Britain, Ireland, Scandinavia, France, Switzerland, Belgium, Austria, Germany, and the Netherlands. This is especially common with machines at train and subway stations, toll roads, parking garages, luggage lockers, bike-rental kiosks, and self-serve gas pumps. For example, after a long flight into Charles de Gaulle Airport, you find you can’t use your credit card at the ticket machine for the train into Paris. Or, while driving in rural Switzerland on a Sunday afternoon, you discover that the automated gas station only accepts chip-and-PIN cards.In most of these situations, a cashier is nearby who can process your magnetic-stripe card manually by swiping it and having you sign the receipt the old-fashioned way. Many payment machines take cash; remember you can always use an ATM to withdraw cash with your magnetic-stripe debit card. Other machines might take your US credit card if you also know the card’s PIN — every card has one (request the number from your bank before you leave, and allow time to receive it by mail). In a pinch, you could ask a local if you can pay them cash to run the transaction on their card.Most hotels, restaurants, and shops that serve Americans will gladly accept your US credit card. During the transaction, they may ask you to type in your PIN rather than sign a receipt. Some clerks in destinations off the beaten track may not be familiar with swiping a credit card; either be ready to give them a quick lesson, or better yet, pay with cash.In a few cases, you might need to get creative; drivers in particular need to be aware of potential problems when filling up at an automated gas station, entering an unattended parking garage, or exiting a toll road...you might just have to move on to the next gas station or use the “cash only” lane at the toll plaza.Those who are really concerned can apply for a chip card in the US, but I think this is overkill. Major US banks, such as Chase, Citi, Bank of America, US Bank, and Wells Fargo, are beginning to offer credit cards with chips — but most of these come with a hefty annual fee. Technically, these are "chip-and-signature" cards, for which your signature verifies your identity, not the “chip-and-PIN” cards being used in Europe. While the American cards have chips, they are not configured for all offline transactions (in which the card is securely validated for use without a real-time connection to the bank). The cards will work for most European transactions, such as in Paris Métro or the London Tube stations, but they might not work at an out-of-the-way gas station in Provence, where the gas pump is probably offline. If you really want a chip card, ask your financial institution if it plans to offer one soon, and find out if the card is “chip-and-signature” or “chip-and-PIN.” With either type, be sure you memorize the PIN for your card in case a card reader requires it.Some credit unions are beginning to roll out true chip-and-PIN cards that work for all transactions, online or offline. One attractive no-fee card is the GlobeTrek Visa, offered by Andrews Federal Credit Union in Maryland (open to all US residents).In the future, chip cards should become standard issue in the US. Visa and MasterCard have asked US banks and merchants to use chip-based cards by late 2015; those who don't make the switch may have to assume the liability for fraud. There’s been lots of resistance, as the conversion may cost up to $8 billion. But businesses and consumers are feeling the pain as international criminals exploit our antiquated magnetic-stripe technology to hack into and compromise millions of US accounts every year. When your bank next renews your credit card, it’s likely there will be a chip in it.
Why does my Bank of America credit card or debit card now include a chip? -As chip technology will soon become the security standard in the U.S., many merchants are beginning to accept chip cards and we want you to be ready. You'll enjoy greater security when making purchases at a chip-enabled terminal since the chip provides better protection against counterfeit fraud. Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United Kingdom, so you'll enjoy greater acceptance when traveling internationally.What is a chip card?- A chip card is a standard-size plastic debit or credit card that contains an embedded microchip as well as the traditional magnetic stripe. The chip encrypts information to increase data security when making transactions at a chip-enabled terminal.What is a smart card or an EMV card?- You may hear chip cards referred to as "smart cards" or "EMV cards" – they're all different ways of referring to the same type of card. Similarly, an EMV terminal is the same as a chip-enabled terminal.Using chip debit cards-How does a chip debit card work? It's easy. If the retailer has a chip-enabled terminal, simply insert your chip card face up in the terminal. The chip card will remain in the terminal while the transaction is processed. To authorize your transaction, just follow the prompts as you do today.You'll be prompted to enter your PIN or to provide a signature as you normally would to verify the transaction. You may not be asked for a PIN when travelling internationally. Your card is available to be removed from the terminal once the transaction is completed. How does a chip credit card work?- It's easy. If the retailer has a chip-enabled terminal, simply insert your chip card face up in the terminal. The chip card will remain in the terminal while the transaction is processed. To authorize your transaction, just follow the prompts on the terminal as you do today.You'll be prompted for a signature to complete the purchase. When traveling internationally, on rare occasions, you may be asked to provide a PIN. Should this occur, just enter the credit card PIN assigned to your card. Your card is available to be removed from the terminal once the transaction is completed.
EZEKIEL 7:19
19 They shall cast their silver in the streets, and their gold shall be removed:(CONFISCATED) 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.
LUKE 2:1-3
1 And it came to pass in those days, that there went out a decree from Caesar Augustus, that all the world should be taxed.
2 (And this taxing was first made when Cyrenius was governor of Syria.)
3 And all went to be taxed, every one into his own city.
REVELATION 13:16-18
16 And he(THE FALSE POPE WHO DEFECTED FROM THE CHRISTIAN FAITH) causeth all,(IN THE WORLD ) both small and great, rich and poor, free and bond, to receive a mark in their right hand, or in their foreheads:(MICROCHIP IMPLANT)
17 And that no man might buy or sell, save he that had the mark,(MICROCHIP IMPLANT) or the name of the beast,(WORLD DICTATORS NAME INGRAVED ON YOUR SKIN OR TATTOOED ON YOU OR IN THE MICROCHIP IMPLANT) or the number of his name.(THE NUMBERS OF HIS NAME INGRAVED IN THE MICROCHIP IMLPLANT)-(ALL THESE WILL TELL THE WORLD DICTATOR THAT YOUR WITH HIM AND AGAINST KING JESUS-GOD)
18 Here is wisdom. Let him that hath understanding count the number of the beast:(WORLD LEADER) for it is the number of a man; and his number is Six hundred threescore and six.(6-6-6) A NUMBER SYSTEM (6006006)OR(60020202006)(SOME KIND OF NUMBER IMPLANTED IN THE MICROCHIP THAT TELLS THE WORLD DICTATOR AND THE NEW WORLD ORDER THAT YOU GIVE YOUR TOTAL ALLIGIENCE TO HIM AND NOT JESUS)(ITS AN ETERNAL DECISION YOU MAKE)(YOU CHOOSE YOUR OWN DESTINY)(YOU TAKE THE DICTATORS NAME OR NUMBER UNDER YOUR SKIN,YOUR DOOMED TO THE LAKE OF FIRE AND TORMENTS FOREVER,NEVER ENDING MEANT ONLY FOR SATAN AND HIS ANGELS,NOT HUMAN BEINGS).OR YOU REFUSE THE MICROCHIP IMPLANT AND GO ON THE SIDE OF KING JESUS AND RULE FOREVER WITH HIM ON EARTH.YOU CHOOSE,ITS YOUR DECISION.
REVELATION 6:5-6
5 And when he had opened the third seal, I heard the third beast say, Come and see. And I beheld, and lo a black horse; and he that sat on him had a pair of balances in his hand.
6 And I heard a voice in the midst of the four beasts say, A measure of wheat for a penny, and three measures of barley for a penny; and see thou hurt not the oil and the wine.(A DAYS WAGES FOR A LOAF OF BREAD)
CHIP UNDER THE SKIN
https://www.youtube.com/watch?v=LZ0YPDYx6lU
https://www.youtube.com/watch?v=kI-RAMBPz6w
https://www.youtube.com/watch?v=EcHQGno4EHQ
https://www.youtube.com/watch?v=HdxfG5MDk0I
https://www.youtube.com/watch?v=KatuQlioeRg
https://www.youtube.com/watch?v=9j9YHTwbPLo
https://www.youtube.com/watch?v=2DcAOkSUFlU
BIDEN AND CHIP IMPLANT-u will vote on it
https://www.youtube.com/watch?v=FQw68jl7KXc
https://www.youtube.com/watch?v=RvYnWBdmcQk
HUMAN CENTRIC SENSING
http://rsta.royalsocietypublishing.org/content/370/1958/176
INTERAC
https://www.interac.ca/en/security/what-is-chip
https://www.interac.ca/en/interac-debit/interac-debit-for-consumers
Chip implants beneath the skin bring a new meaning to 'pay wave'-Date May 30, 2015 Hannah Francis-Technology Reporter
Micro-chip implants for making payments and locking doors are the next frontier, but are the pitfalls worth it? Amal Graafstra holding a large hypodermic needle - the kind needed to inject an RFID chip into your hand.Amal Graafstra holding a large hypodermic needle - the kind needed to inject an RFID chip into your hand. Photo: Supplied Most tech-heads like to tinker with the inner workings of iPhones or clapped out VCRs.But Amal Graafstra is different. For the last 10 years, he's been busy hacking into his own body.His US company Dangerous Things specialises in manufacturing rice grain-sized computer chips designed to be implanted inside the delicate webbing between the thumb and forefinger.Dangerous Things founder Amal Graafstra has an RFID chip implanted in each hand.Dangerous Things founder Amal Graafstra has an RFID chip implanted in each hand. Photo: Supplied-"Getting an ear piercing is many times more risky," he says, reassuringly.The bionic-grade glass chips use radio-frequency identification (RFID) to control electronic objects with the swipe of a hand - from the lock on a front door to a car ignition or a personal computer.It's the same kind of technology used in pet ID tags; by itself, the chip doesn't do much, but when it comes into close contact with a "reader" device, it will transmit information that can then trigger commands.The bionic glass chips are about the size of a grain of rice.The bionic glass chips are about the size of a grain of rice. Photo: Supplied-The chips only cost $US99 a pop, and while their core market is a handful of dedicated geeks - including a few in Australia - Graafstra says he's increasingly noticing a new kind of customer."What is becoming clear is there are more individuals purchasing the chips who have less knowledge about the technology," he says."They're into gadgets and they're geeky but they're not necessarily building their own stuff, so the type of customer is expanding slowly."NFC chips are increasingly used for instant payment methods, including via smartphones-NFC chips are increasingly used for instant payment methods, including via smartphones. Photo: Visa-RFID chips are becoming more common elsewhere, too.The most well-known standard of RFID is near-field communication (NFC), increasingly used in instant, digital payment transactions, which facilitate credit card payments in a matter of seconds with a simple tap.Visa this week announced a partnership with the University of Technology Sydney to develop new wearable technologies. Alongside the announcement came a sensational figure from its own research, purporting to show that a quarter of Australians were "at least slightly interested" in having an NFC chip implanted in their skin for payments.Visa and UTS have since clarified they were not actively developing implant technologies themselves, but the alarm bells are already ringing.Social futurist Mal Fletcher, who heads up the London- based think tank 2020 Plus, responded with an Op Ed warning of the potential pitfalls of "subcutaneous spending devices".These included bodily hacking; mass surveillance from commercial parties collecting our personal data; rising instances of "digital debt" thanks to the abolition of physical money and its tangible value associations; links between implants and cancer; and even the potential to cause early-onset dementia. Fletcher insists he's not an alarmist - just cautious."We have to look at not just where technology is now but the principle behind it," he says."I'm not trying to make payments companies into the bogyman," he says. But he points out that it is in their interests to lead the push towards a cashless society, where ease of transactions and detachment from money encourage impulse spending - and everyone's spending habits are dutifully logged.Graafstra counters that chip implants are not too far removed from where we are today, where day-to-day living depends on the binary transactions of bank cards, swipe cards and serial numbers - all traceable back to our ID."We're already in a position where we have no real control over our digital assets," he says.At least chip implants can eliminate the stress of being mugged - or can they? The threat of hacking RFID chips is real, says Linus Information Security Solutions director Mike Thompson, and the upsides may not be worth it.The assumption that NFC chips can only be read at very short distances is misplaced, he says, citing "plenty of examples" where people have accessed them over distances of several metres using specialised antennas.These security flaws can be mitigated with the addition of passcodes or PINs - which can be added to smartphones or wearables, but not to the palm of your hand (yet).An aluminium shield also works; for instance, a special aluminium wallet to protect your NFC-enabled credit card from would-be hackers.Thompson is sceptical of the advantages of embedding chips into one's body over, say, clothing or other wearable devices."Is opening a door automatically when you are naked that important?"Read more: http://www.smh.com.au/digital-life/digital-life-news/chip-implants-beneath-the-skin-bring-a-new-meaning-to-pay-wave-20150528-ghbq71.html#ixzz3kPNg1Ogs
What consumers need to know about chip technology in charge cards By Jasen Lee, Deseret News-Updated: Thursday, July 30 2015 6:08 a.m. MDT-EMV is an acronym that stands for Europay, MasterCard and Visa, the three companies that created the standard that is now managed by EMVCo.
Across the country, financial institutions are introducing the EMV chip card that will be widely used by the end of 2015. The new credit card improves fraud protection for consumers and changes the way they make payments.“In essence, it’s pushing fraud out of the system, which is really something we need in the U.S.”
SALT LAKE CITY — Smart technology is fast becoming the standard in virtually every industry, including retail commerce.With millions of consumers spending billions of dollars annually, the potential for fraud is nearly as great as the sum of profits reaped by retailers and the credit card companies that are integral in the process.Across the country, financial institutions are introducing the EMV chip card that will be widely used by the end of 2015. The new credit card improves fraud protection for consumers and changes the way they make payments.EMV is an acronym that stands for Europay, MasterCard and Visa, the three companies that created the standard that is now managed by EMVCo, a consortium with control split equally among Visa, MasterCard, JCB, American Express, China UnionPay and Discover, explained Richard Reed, Zions Bank executive vice president and director of bankcard and customer channel management.“In essence, it’s pushing fraud out of the system, which is really something we need in the U.S.,” Reed said.EMV is a payment application that resides in a computer chip embedded in a credit or debit card, he said. By the end of the year, U.S. financial institutions will issue 600 million chip cards, which are approximately half of all cards in circulation, according to the online EMV Migration Forum.EMV cards are smart cards that store their data on integrated circuits rather than magnetic stripes, though many of them also have stripes for backward compatibility. They can be contact cards that must be physically inserted — or "dipped" — into a reader, or can be read over a short distance using radio-frequency identification technology, Reed said.Additionally, payment cards that comply with the EMV standard are often called chip-and-PIN or chip-and-signature cards, depending on the exact authentication methods required to use them, he added.The migration to EMV is expected to greatly reduce counterfeit card fraud, enable cardholders to use secure EMV payment cards globally and prepare for near field communication — or NFC — mobile contactless payments, explained Don Oldroyd, senior examiner with the Utah Department of Financial Institutions. NFC is a standards-based wireless communication technology that allows data to be exchanged between devices that are a few inches apart.The chip card performs cryptographic processing by assigning a unique code to each transaction to help prevent data being fraudulently reused. Analysts say that EMV technology will be the standard payment application for significantly enhanced security.The standard has been in use across Europe for years, Oldroyd said.“They’ve greatly reduced the fraud when people have used their (EMV) cards,” he said.The sooner the U.S. adopts the standard, the sooner fraud will begin to decline here as well, Oldroyd added.Three months ago, Target agreed to pay $19 million to banks that issued MasterCards involved in a 2013 data breach. Filings with the U.S. Security and Exchange Commission showed that the breach cost the retailer another $252 million in expenses in addition to a class action suit for $10 million.In December 2013, hackers stole 40 million credit and debit card numbers along with 70 million data records, including names, mailing addresses, email addresses or phone numbers of Target customers, the company reported.This fall, the Payment Networks’ Liability Shift associated with EMV is due to take effect in the United States.Currently, credit card issuers are liable for most counterfeit card fraud that occurs at retailers’ in-store locations. But starting Oct. 1, that responsibility will swing to merchants in certain cases unless they have replaced or upgraded their card acceptance and processing systems to use chip-enabled devices and applications to process payment transactions.“The intent here is to really incent both parties to go ahead and implement the technology so that you get the power and the benefit of this higher security payment card,” Reed said.With the added benefit of encryption, “it makes it really difficult for fraudsters to replicate,” he said.Though criminals will always seek methods of committing fraud, this new standard will go a long way toward preventing future breaches like the Target case, Oldroyd said. However, the potential for hacking may still exist for an individual’s online purchases, he noted.“Who knows? Maybe the fraudsters are going to migrate more toward that type of transaction,” Oldroyd said. “Nevertheless, we hope to see the EMV standard adopted.”Reed said digital payment methods, such as Apple Pay or Google Wallet, might also become a tactic to limit fraud while providing consumers with an efficient manner to pay for purchases.Overall, industry officials say the EMV method should offer consumers a safe, effective option to conduct their retail business.“It’s going to be a different user experience,” Reed said. “Today, we’re used to taking out our cards and swiping them. When you get an EMV card, it will be a dip transaction much like what we do (at ATMs).”Email: jlee@deseretnews.com -Twitter: JasenLee1
The Low-Down on Chip-and-PIN Cards-Chip and Pin Card Machine, Europe-When Europeans buy something with their chip-and-PIN card, they insert the card in a machine like this one, then type in their PIN.By Rick Steves
Europe — and the rest of the world — is adopting a new system for credit and debit cards. While handy for locals, these chip-and-PIN cards are causing a few headaches for American visitors: Some machines that are designed to accept chip-and-PIN cards simply don’t accept US credit cards. This news is causing some anxiety among American travelers, but really: Don’t worry. While I’ve been inconvenienced a few times with automated machines that wouldn’t accept my card, it’s never caused me any serious trouble. Here’s the scoop:Today, outside the US, the majority of all cards are chip cards. These “smartcards” come with an embedded security chip (in addition to the magnetic stripe found on American-style cards). To make a purchase with a chip-and-PIN card, the cardholder inserts the card into a slot in the payment machine, then enters a PIN (like using a debit card in the US) while the card stays in the slot. The chip inside the card authorizes the transaction; the cardholder doesn’t sign a receipt.My readers tell me their American-style cards have been rejected by some automated payment machines in Great Britain, Ireland, Scandinavia, France, Switzerland, Belgium, Austria, Germany, and the Netherlands. This is especially common with machines at train and subway stations, toll roads, parking garages, luggage lockers, bike-rental kiosks, and self-serve gas pumps. For example, after a long flight into Charles de Gaulle Airport, you find you can’t use your credit card at the ticket machine for the train into Paris. Or, while driving in rural Switzerland on a Sunday afternoon, you discover that the automated gas station only accepts chip-and-PIN cards.In most of these situations, a cashier is nearby who can process your magnetic-stripe card manually by swiping it and having you sign the receipt the old-fashioned way. Many payment machines take cash; remember you can always use an ATM to withdraw cash with your magnetic-stripe debit card. Other machines might take your US credit card if you also know the card’s PIN — every card has one (request the number from your bank before you leave, and allow time to receive it by mail). In a pinch, you could ask a local if you can pay them cash to run the transaction on their card.Most hotels, restaurants, and shops that serve Americans will gladly accept your US credit card. During the transaction, they may ask you to type in your PIN rather than sign a receipt. Some clerks in destinations off the beaten track may not be familiar with swiping a credit card; either be ready to give them a quick lesson, or better yet, pay with cash.In a few cases, you might need to get creative; drivers in particular need to be aware of potential problems when filling up at an automated gas station, entering an unattended parking garage, or exiting a toll road...you might just have to move on to the next gas station or use the “cash only” lane at the toll plaza.Those who are really concerned can apply for a chip card in the US, but I think this is overkill. Major US banks, such as Chase, Citi, Bank of America, US Bank, and Wells Fargo, are beginning to offer credit cards with chips — but most of these come with a hefty annual fee. Technically, these are "chip-and-signature" cards, for which your signature verifies your identity, not the “chip-and-PIN” cards being used in Europe. While the American cards have chips, they are not configured for all offline transactions (in which the card is securely validated for use without a real-time connection to the bank). The cards will work for most European transactions, such as in Paris Métro or the London Tube stations, but they might not work at an out-of-the-way gas station in Provence, where the gas pump is probably offline. If you really want a chip card, ask your financial institution if it plans to offer one soon, and find out if the card is “chip-and-signature” or “chip-and-PIN.” With either type, be sure you memorize the PIN for your card in case a card reader requires it.Some credit unions are beginning to roll out true chip-and-PIN cards that work for all transactions, online or offline. One attractive no-fee card is the GlobeTrek Visa, offered by Andrews Federal Credit Union in Maryland (open to all US residents).In the future, chip cards should become standard issue in the US. Visa and MasterCard have asked US banks and merchants to use chip-based cards by late 2015; those who don't make the switch may have to assume the liability for fraud. There’s been lots of resistance, as the conversion may cost up to $8 billion. But businesses and consumers are feeling the pain as international criminals exploit our antiquated magnetic-stripe technology to hack into and compromise millions of US accounts every year. When your bank next renews your credit card, it’s likely there will be a chip in it.
Why does my Bank of America credit card or debit card now include a chip? -As chip technology will soon become the security standard in the U.S., many merchants are beginning to accept chip cards and we want you to be ready. You'll enjoy greater security when making purchases at a chip-enabled terminal since the chip provides better protection against counterfeit fraud. Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United Kingdom, so you'll enjoy greater acceptance when traveling internationally.What is a chip card?- A chip card is a standard-size plastic debit or credit card that contains an embedded microchip as well as the traditional magnetic stripe. The chip encrypts information to increase data security when making transactions at a chip-enabled terminal.What is a smart card or an EMV card?- You may hear chip cards referred to as "smart cards" or "EMV cards" – they're all different ways of referring to the same type of card. Similarly, an EMV terminal is the same as a chip-enabled terminal.Using chip debit cards-How does a chip debit card work? It's easy. If the retailer has a chip-enabled terminal, simply insert your chip card face up in the terminal. The chip card will remain in the terminal while the transaction is processed. To authorize your transaction, just follow the prompts as you do today.You'll be prompted to enter your PIN or to provide a signature as you normally would to verify the transaction. You may not be asked for a PIN when travelling internationally. Your card is available to be removed from the terminal once the transaction is completed. How does a chip credit card work?- It's easy. If the retailer has a chip-enabled terminal, simply insert your chip card face up in the terminal. The chip card will remain in the terminal while the transaction is processed. To authorize your transaction, just follow the prompts on the terminal as you do today.You'll be prompted for a signature to complete the purchase. When traveling internationally, on rare occasions, you may be asked to provide a PIN. Should this occur, just enter the credit card PIN assigned to your card. Your card is available to be removed from the terminal once the transaction is completed.
