Cashless Trading

Electronic ID (RFID) and Cashless Trading

Human implants of RFID devices are the forerunners of the ‘mark’ of Bible prophecy

Magnetic Cards and Smart Cards

cashless trading

The Roman Denarius

During much of the 20th century man still traded using coins, just like the Romans! But the 1980’s saw the early forms of cashless or electronic trading with the introduction of magnetic-stripe cards. This period saw the development of debit-based transactions using Electronic Funds Transfer (at) Point of Sale (EFTPOS). Even then it was foreseen that smartcards (cards with an embedded chip) would replace the simple magnetic-stripe card, and today ‘Chip and PIN’ cards are widespread.

Card payments have now overtaken cheque and cash payments. In 2017 just 30% of all payments in America were by cash, link, and it is predicted that only 10% of UK transactions will use cash by 2030, link.

Biometrics

Cards can be lost or stolen and a way of avoiding this is to link a person’s identity to their physical characteristics (Biometrics). Biometric authentication compares data for the person’s characteristics to that person’s biometric “template” or “reference model” to determine resemblance. This is a very significant step towards the biblical ‘mark of the beast’, whereby the identity of an individual is associated with the individual themselves. Favoured biometric techniques use fingerprint recognition, facial recognition, voice recognition and iris recognition.

Iris scans analyse the features in the coloured tissue surrounding the pupil. It is claimed that because the iris is a protected internal organ whose random texture is complex, unique, and very stable throughout life, it can serve as a kind of living passport.

Biometrics in the USA

At the Department of Homeland Security, biometrics are used to detect and prevent illegal entry into the U.S. The United States military has been collecting faces, irises, fingerprints, and DNA data in a biometric identification system since January 2009.

Biometrics in the UK

Facial recognition technology has been developed with the new generation of chip-enabled biometric passports, and airline passengers will increasingly use their face as their identity at the airport. London’s Heathrow Airport is deploying biometric facial recognition technology to allow travellers to check in and board their flights without showing a passport or boarding pass. In 2019 this was described as “the biggest single deployment of biometric technology in the world” [The Times].

Biometrics in India

A unique identification system known as Aadhaar aims to gather biometric information of the country’s 1.3 billion residents. It is operated by the Unique Identification Authority of India, or UIDAI. The 12-digit UIDAI number is stored in a centralised database and is based upon an individual’s demographic attributes (name, gender, age and address) and their biometric information – photograph, fingerprints and iris pattern. The Aadhaar online identity platform then enables an individual to claim government benefits and services, and access services like banking and mobile phone connections. Whilst the UIDAI is voluntary, clearly, life without it will be difficult!

Biometrics in Estonia

Estonia’s ground-breaking Smart-ID becomes the first electronic ID service to include biometric authentication certified to the highest EU standard. Their digital ID verification platform can be used for both government and private sector databases, and may be replicated by other countries.

Biometric Problems

cashless trading

Biometric Face Scan

Whilst the biometrics market is projected to be worth over USD 50 billion by 2025, link, biometrics is not without its problems. It is not 100% accurate.

Take facial recognition technology. It uses a complex algorithm that recognises each person’s unique facial characteristics, but appearances can often change [Aviation Business News]. The use of several biometric features in combination e.g. the face and the iris, or the iris and fingerprints, gives reduced (but still finite) error rates.

Clearly, a method of identifying each person solely by their unique number will be less prone to error.

Radio-Frequency Identification (RFID)

RFID is all around us: it is found in supermarkets, general retailers, electronic road tolls, company badges, farming, and in your pet dog.

How it Works

cashless trading

Electronic RFID ‘tag’, size of a grain of rice. Human implantable

A scanner emits a short-range radio-frequency signal which is picked up by a small local RFID device or ‘transponder tag’ (in one form it can be about 8mm or the size of a grain of rice). When this tag is ‘passive’ (no batteries), it is energised by the scanning radiation, thereby enabling it to communicate ID information back to the scanner/transceiver. Passive tags can have very long lifetimes. Since it is a radio device it operates on specified frequencies e.g. 13.56 MHz, link.

Application of RFID to Humans

In supermarkets, item-level deployment of RFID technology allows for quick checkout aisles that scan all products at once and thus eliminate queues. But the sinister application of RFID lies in its application to humans.

In 2004 the US Food and Drug Administration (FDA) gave its approval to Applied Digital Solutions to sell their VeriChip RFID tags for implantation into patients in hospitals. The intent was to provide immediate positive identification of patients both in hospitals and in emergencies. Tags would not contain medical data, but instead store (and transmit when energised) a unique 16-bit ID number that would be used to access records on a remote database. The tag was to be implanted in the fatty tissue of the upper arm.

Similar technology can be in the form of a GPS trackable implant – an idea attractive to Japanese authorities for tagging and protecting school children. Others find the idea of an implant useful as an access mechanism instead of swipe cards.

Clearly, an extremely attractive trading (buying-selling) system would be to number and tag each individual and then detect their number remotely over a short distance for access to their bank account. It is claimed that such an implant would also reduce financial fraud since ATM transactions would only be possible if a person was physically present.

Technology Status

Current technology uses implantable RFID chips. These low-cost chips (the size of a grain of rice or smaller) are used to tag animals, and now humans. For humans a good place to implant the device is in the hand – see right hand implant. As mentioned, an early example of this technology was ‘VeriChip’ from Applied Digital Solutions. Its manufacture and marketing was discontinued in 2010, possibly for technological reasons (the ability to remotely scan personal data could be a security risk) and for civil liberty reasons. There are also possible health risks e.g. cancer:

And a severe and malignant sore came upon the men who had the mark of the beast (Rev 16:2)

But human implantable devices are still in development, particularly for medical applications. For example, the ‘GlucoChip’ from Positive ID Corporation is an implantable, bio-sensing RFID microchip that measures glucose levels in the body in real time (see Implantable Glucose Sensor).

Surface RFID: The ultimate way of cashless trading?
It is interesting that RFID technology is also being developed for application to human skin. Antennas for RFID tags can be tattooed directly onto the skin’s surface, link, link, link (pdf download). This form of surface technology may align better with Bible prophecy than an implantable device (see below).

God’s Warning

The following video reveals the truth about the RFID chip. It, or more probably its technological successor for marking the skin, is the ultimate people control mechanism needed by the emerging World Government:

666: the Biblical Mark & YOU

Clearly, there is only a short technological step to the full 666 system (Rev 13:18) as implemented in ‘the mark of Revelation’, see Implanted Humans. The Bible predicts electronic i.e. cashless trading:

And he causes all … to be given a mark on their right hand or on their forehead … and no one will be able to buy or to sell, except the one who has the mark (Rev 13:16-17, NASB, NKJV)

Some question whether the mark of Revelation 13 verse 16 is “in” or “on” the hand or forehead. Clearly, this could have a bearing upon the final technology employed. The Greek word in question is “epi” and is normally translated “on”, link, link. An exception is the KJV. Note that the English word “epidermis” means upon the skin. So the mark of Revelation might include a form of tattoo on the skin.

There are many claimed advantages of such a personal ID: safer financial transactions, more convenient ‘buying and selling’, automated access to buildings and medical records etc. Most people will accept the ‘mark’ and the associated New World Order, but the Bible says they will believe a lie:

God will send them strong delusion, that they should believe a lie … (because) they did not believe the truth but had pleasure in unrighteousness (2 Thes 2:11-12)

More significantly, Bible prophecy warns against accepting the mark:

If anyone worships the beast and receives his mark on his forehead or on his hand he will also drink of the wine of the wrath of God … ( Rev 14:9-10 )

When is the Mark Implemented?

cashless trading

It is clear that COVID-19 has given a huge boost to cashless trading, as for example in ‘tap and go’. With this technology no cash or machine is handled. But the point in time at which the personal mark will be introduced is not clear from prophecy. However, it is quite possible that true believers in Jesus Christ will not have to take the mark. Prophecy suggests that the true church will be “taken” (raptured) to meet Christ in the clouds before the mark is forced upon mankind. Jesus said it will be like the removal of Noah from the sinful world before the Flood, or the taking out of Lot before the judgement of sinful Sodom and Gomorrah (Luke 17:26-36).

More on this at the Second Coming, the pre-tribulation rapture and rapture theology. Some align the rapture with the Feast of Trumpets celebrated by devote Jews.

Either way, the rapid technological advance and the imminence of the mark also points to the imminent end of the age and the return of Jesus Christ.

Put your trust in Jesus and not in the mark!
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