Revelation 13:16-17 And he causeth all, both small and great, rich and poor, free and bond, to receive a mark in their right hand, or in their foreheads: And that no man might buy or sell, save he that had the mark, or the name of the beast, or the number of his name.

5G + Biometric Facial / Hand Scanning + Digital / Cashless Transactions + Mark of Approval / Authorization = Tomorrow’s Economy (2020)

Biometric scanning used for migrant/border control, secure identity verification and approval, government benefits, domestic and international travel security, economic inclusion of everyone, buying/selling transactions and fund transfers, instantaneous speed of transaction and convenience, VAT/taxation collection, mobility, social credit score and ranking, population movement and tracking, monitoring political and religious ‘extremism’ (terrorists). ‘Mark, number or name’ for verification and approval.

Revelation 19:20 And the beast was taken, and with him the false prophet that wrought miracles before him, with which he deceived them that had received the mark of the beast, and them that worshipped his image. These both were cast alive into a lake of fire burning with brimstone.

Revelation 20:10 And the devil that deceived them was cast into the lake of fire and brimstone, where the beast and the false prophet are, and shall be tormented day and night for ever and ever.

Ezekiel 33 Again the word of the Lord came unto me, saying,

2 Son of man, speak to the children of thy people, and say unto them, When I bring the sword upon a land, if the people of the land take a man of their coasts, and set him for their watchman:

3 If when he seeth the sword come upon the land, he blow the trumpet, and warn the people;

4 Then whosoever heareth the sound of the trumpet, and taketh not warning; if the sword come, and take him away, his blood shall be upon his own head.

5 He heard the sound of the trumpet, and took not warning; his blood shall be upon him. But he that taketh warning shall deliver his soul.

6 But if the watchman see the sword come, and blow not the trumpet, and the people be not warned; if the sword come, and take any person from among them, he is taken away in his iniquity; but his blood will I require at the watchman’s hand.

7 (7) So thou, O son of man, I have set thee a watchman unto the house of Israel; therefore thou shalt hear the word at my mouth, and warn them from me.

8 When I say unto the wicked, O wicked man, thou shalt surely die; if thou dost not speak to warn the wicked from his way, that wicked man shall die in his iniquity; but his blood will I require at thine hand.

9 Nevertheless, if thou warn the wicked of his way to turn from it; if he do not turn from his way, he shall die in his iniquity; but thou hast delivered thy soul.

10 Therefore, O thou son of man, speak unto the house of Israel; Thus ye speak, saying, If our transgressions and our sins be upon us, and we pine away in them, how should we then live?

11 Say unto them, As I live, saith the Lord God, I have no pleasure in the death of the wicked; but that the wicked turn from his way and live: turn ye, turn ye from your evil ways; for why will ye die, O house of Israel?

12 Therefore, thou son of man, say unto the children of thy people, The righteousness of the righteous shall not deliver him in the day of his transgression: as for the wickedness of the wicked, he shall not fall thereby in the day that he turneth from his wickedness; neither shall the righteous be able to live for his righteousness in the day that he sinneth.

13 When I shall say to the righteous, that he shall surely live; if he trust to his own righteousness, and commit iniquity, all his righteousnesses shall not be remembered; but for his iniquity that he hath committed, he shall die for it.

14 Again, when I say unto the wicked, Thou shalt surely die; if he turn from his sin, and do that which is lawful and right;

15 If the wicked restore the pledge, give again that he had robbed, walk in the statutes of life, without committing iniquity; he shall surely live, he shall not die.

16 None of his sins that he hath committed shall be mentioned unto him: he hath done that which is lawful and right; he shall surely live.

17 Yet the children of thy people say, The way of the Lord is not equal: but as for them, their way is not equal.

18 When the righteous turneth from his righteousness, and committeth iniquity, he shall even die thereby.

19 But if the wicked turn from his wickedness, and do that which is lawful and right, he shall live thereby.

20 Yet ye say, The way of the Lord is not equal. O ye house of Israel, I will judge you every one after his ways.

21 And it came to pass in the twelfth year of our captivity, in the tenth month, in the fifth day of the month, that one that had escaped out of Jerusalem came unto me, saying, The city is smitten.

22 Now the hand of the Lord was upon me in the evening, afore he that was escaped came; and had opened my mouth, until he came to me in the morning; and my mouth was opened, and I was no more dumb.

23 Then the word of the Lord came unto me, saying,

24 Son of man, they that inhabit those wastes of the land of Israel speak, saying, Abraham was one, and he inherited the land: but we are many; the land is given us for inheritance.

25 Wherefore say unto them, Thus saith the Lord God; Ye eat with the blood, and lift up your eyes toward your idols, and shed blood: and shall ye possess the land?

26 Ye stand upon your sword, ye work abomination, and ye defile every one his neighbour’s wife: and shall ye possess the land?

27 Say thou thus unto them, Thus saith the Lord God; As I live, surely they that are in the wastes shall fall by the sword, and him that is in the open field will I give to the beasts to be devoured, and they that be in the forts and in the caves shall die of the pestilence.

28 For I will lay the land most desolate, and the pomp of her strength shall cease; and the mountains of Israel shall be desolate, that none shall pass through.

29 Then shall they know that I am the Lord, when I have laid the land most desolate because of all their abominations which they have committed.

30 Also, thou son of man, the children of thy people still are talking against thee by the walls and in the doors of the houses, and speak one to another, every one to his brother, saying, Come, I pray you, and hear what is the word that cometh forth from the Lord.

31 And they come unto thee as the people cometh, and they sit before thee as my people, and they hear thy words, but they will not do them: for with their mouth they shew much love, but their heart goeth after their covetousness.

32 And, lo, thou art unto them as a very lovely song of one that hath a pleasant voice, and can play well on an instrument: for they hear thy words, but they do them not.

33 And when this cometh to pass, (lo, it will come,) then shall they know that a prophet hath been among them.

Genesis Chapter Seven (7) (Emphasis added). ‘As in the days’ of Noah.’

4 For yet (in) seven (7) days, and I will cause it to rain upon the earth forty days and forty nights; and every living substance that I have made will I destroy from off the face of the earth.

10 And it came to pass after seven (7) days, that the waters of the flood were upon the earth

‘NAKED PAYMENTS’ … a ‘MARK, NUMBER or NAME’: Financial Biometrics Month: What’s Next for Payments and the Future of Money? ‘I have been warning about this for three (3) years.’

October 15, 2020

For our first feature in this month’s Special Event on Financial Biometrics – presented in association with Money20/20 – we looked at the new challenges and incoming threats that the financial services sector is facing – particularly those that have been exacerbated by COVID-19 – and some of the biometric solutions now available.

This week, we’re going to try to look beyond COVID to see what’s next for payments and the future of money. And it’s a good bet that biometric tech will play an increasingly important role.

Money Goes Mobile

A good place to start, though, is with a novel approach to payments that is already on the scene, but expected to grow in a big way: mobile payments. Apple, Google, Samsung, and others have now firmly established prominent payments platforms that allow end users to perform transactions using their smartphones – not just online, but at physical retail locations.

There have been some signs that these payment platforms have been picking up momentum over the last couple of years. One estimate from last year, for example, pointed to a 135 percent jump in Apple Pay users over 2018. Consumers appreciate the convenience of being able to pay with their phones, and growing numbers of them are getting used to the idea of the kinds of contactless, tap-to-pay transactions that mobile payment platforms entail.

Others, though, are still concerned about security. The idea of abandoning signature or PIN-based transaction authorization without some kind of replacement is, for some, an uncomfortable one. And that’s why the biometric security of the most prominent mobile payments systems is so important. On Apple Pay, for example, it’s easier than ever to confirm a payment thanks to the implementation of Face ID on Apple’s latest iPhones. It may not be the biggest factor, but it’s surely an important one in encouraging more consumers to try out mobile payments.

Fingerprint-scanning Cards

This points to another coming wave in the payments sector: biometric payment cards. Financial services providers that have been looking for a way to offer customers strong security in a contactless card started to find answers a couple of years ago, when the fingerprint sensor specialists started presenting solutions that could be implemented in flexible smart card form factors.

The idea is simple: put a fingerprint sensor on a credit or debit card, and prompt the cardholder for a scan during a transaction. It can still be a tap-based, contactless payment; the only difference is that the user needs to have their registered finger on the sensor as they tap. This approach adds a huge boost in security to what remains an extremely convenient means of making a purchase.

Early trials of biometric payment cards got underway back in 2017 (EXACT year the Man-by-Satan ‘came on the scene’ as a Beast and Prince) and accelerated over the ensuing past three (3) years. More recently, global supply chain infrastructure has started to take shape, and technological advancements have helped to further drive down costs. Various players have been getting the certifications they need for mass market rollouts, and major deployments are anticipated for next year.

Post-card Payments

Another concept takes this idea a step further. What if cards are removed from the process entirely, leaving only a biometric scan? The idea is to link a consumer’s biometric profile directly to a payment account, so that any time a POS terminal scans their fingerprint, face, or other biometric, the linked account can be charged.

Such biometric payments – also called “naked payments”, since they don’t require any hardware on the consumer’s part – are still, for many, an entirely new concept. Biometric payment systems only started emerging a few years ago, with consumer-facing deployments popping up here and there in the form of pilot programs. But recent developments have helped to put naked payments in the spotlight. CLEAR, which is best known for its biometric screening program, brought a naked payments system to CenturyLink Field and the Safeco Field baseball stadium in Seattle in 2018, and followed that up with a deployment at New York’s Citi Field last year.

More importantly, Amazon recently unveiled a new biometric payment system based on palm scanning. It’s going to start with trial deployments at select stores in Seattle, but Amazon has indicated that it has ambitious plans for its Amazon One scanner. This is one of the biggest retail companies in the world, and its efforts to promote biometric payments will likely offer the best chance of helping this technology to go mainstream in the coming years.

Naked payments, along with biometric payment cards and mobile payment systems, have been quietly building steam for years. Now, in the age of COVID-19, it’s important to consider something that they all have in common: they all support contactless transactions. However important these novel payment technologies might have become in the near future, their mainstream adoption is likely to be further accelerated by a pandemic that has scared consumers away from shared surfaces and prompted many to start embracing contactless transactions.

That’s what’s next in payments and money: contactless technologies, with biometric security.

Financial Biometrics Month: New Challenges, Incoming Threats

October 8, 2020

The financial services sector has shown a tremendous appetite for biometric technologies in recent years, and has been the site of some of the most exciting innovations in biometrics and related technologies. That’s why FindBiometrics has partnered with Money20/20 to bring readers a month-long special event on financial services biometrics.

Today, we’re kicking off our featured coverage with a look at how biometrics are helping to address some of the new challenges and incoming threats that the sector is seeing in 2020.

The Outbreak’s Impact

The most important trends in biometric FinTech were already underway going into 2020, but at this point we simply can’t avoid seeing how COVID-19 had impacted them. And it’s fair to say that the pandemic has accelerated the key trends.

It all revolves around digitization. Financial services providers have seen increasing numbers of customers moving into digital channels for years now, with online banking and mobile account access having moved into the mainstream relatively quickly. Likewise, digital threats have emerged, too, with fraudsters following end users into these mobile channels, and constantly on the hunt for security vulnerabilities.

COVID has intensified all of this. Reluctant to visit branches in person – or possibly restricted from doing so – vast numbers of financial services customers have been pushed into digital channels. Banks now face the challenges of processing significantly higher volumes online, and of ensuring that those who are less tech savvy will be able to use their remote services without falling victim to fraud and other cyberthreats.

Fortunately, biometric tools to address these issues were already available before the outbreak, and are now being honed to meet the specific needs of the COVID era.

Selfie Security

One of the most important technological developments in cybersecurity – and one that has proven highly popular in the financial services sector in particular – is the emergence of selfie-based biometric authentication.

A number of solutions are now available that operate on the same foundational principle: an end user uploads a selfie and images of official identity documents to the platform, and facial recognition is used to match the selfie to those documents. This allows financial institutions to remotely confirm the identities of their end users, and offers the latter a convenient means of proving they are who they say they are.

These selfie-based authentication systems are difficult to fool, especially since the more sophisticated solutions feature liveness detection technologies that are designed to spot potential ‘spoofing’ attempts in which fraudsters try to pose as legitimate users by means of photographs, masks, or even deepfakes. For banks and other financial services providers, this means that not only can they let customers securely perform transactions online, but they can even remotely process more sensitive activities such as opening new bank accounts.

Flagging Fraudulent Behavior

Selfie-based authentication offers a compelling solution to ensuring reliable authentication sessions online, but it can’t address every new threat in digital banking. Social engineering scams like phishing, for example, are a matter of serious concern for users who are new to digital banking and unfamiliar with standard security practices as well as the various scams that are out there.

This is where behavioral biometrics offer a unique solution. These technologies are designed to look for patterns in end user behavior that can offer assurance of user legitimacy and also flag activities that signal potential fraud. This means that even if a fraudster has acquired legitimate user credentials, patterns in how they enter that information online can trigger alerts for IT security officials, allowing them to take action as appropriate. Even in situations in which a fraudster gains access to an account, behavioral biometrics can automatically detect signs that something is amiss.

These kinds of solutions are of obvious value to financial services organizations, and, as with selfie-based authentication, the need for such advanced security has only intensified in the wake of COVID-19 and the digital traffic tsunami. There is plenty more to say about behavioral and selfie biometrics, not to mention the other challenges and threats that financial services organizations are now facing, so stay tuned as we continue to bring more featured coverage on financial services biometrics in the coming weeks.

Financial Biometrics Month: Fresh Business Models and Next-Gen Infrastructure

October 22, 2020

“You never want a serious crisis to go to waste,” Rahm Emanuel told the Wall Street Journal in late 2008. Acting as the White House Chief of Staff at the beginning of the Great Recession, Emanuel was trying to say that the financial crisis offered an opportunity to ask some big questions about how markets are structured and to think about dramatic changes that could make things better in the long term.

Today, as much of the world enters the second wave of the COVID-19 pandemic, a lot of banks and other financial services organizations are asking the same kinds of questions. It’s a good time to look at fresh business models and next-gen infrastructure, and many are turning to biometric solutions to address new and intensified challenges.

ATM Innovation

Another opportunity for a fresh approach to next-gen infrastructure lies in the customer touchpoint of ATMs. This is one area that has remained stubbornly resistant to innovation over the years, with most ATMs maintaining PIN-based security even as biometric authentication options have proliferated across digital and mobile channels. But there are signs of growing excitement about biometric ATMs amid the pandemic – especially those that enable contactless authentication.

Earlier this year, ATM manufacturer Hyosung integrated Fujitsu’s PalmSecure palm vein scanning technology into multiple self-service devices. Any banks that decide to embrace this solution will be able to offer their customers the ability to access ATMs through a touchless hand scan, enhancing security, safety, and convenience. And in the summer, NEC teamed up with HSM specialist Futurex to bring face-based authentication to ATMs – another touchless approach to ATM access. Likewise for the recent partnership between Trust Stamp and OneBanks, whose banking kiosks will integrate Trust Stamp’s face authentication technology.

Night Watchman Note; We are to ‘be watchful’ (October 31, 2020 to November 7, 2020) in helping to understand today’s events as related to biblical prophecy. That is what ‘watchmen or women’ do. Jesus made clear that when He actually does come for His disciples, His wise and faithful servants would be aware of the time because they would be watching. They would know the season of the times by WATCHING those things ‘coming to pass or occurring’ as Jesus said they would. The ‘BENCHMARK SIGN(s)’ always point towards Israel / Jacob. God’s prophetic timepiece. The FALSE PEACE COVENANT confirmed by the Prince/Beast among MENA (the many) is the ‘key sign’ of the times or the season of the times. Yes, we are in that period. The Prince/Beast will likely confirm and enhance the current ‘normalization’ agreement with Jacob to be a ‘peace’ agreement, to be extended to 7 years from the current 5 years, to include some agreement permitting the rebuilding of the third temple in exchange for ‘some portion of Jerusalem.’ The current ‘investment’ period for the Palestinians stands at five (5) years. This will likely occur AFTER the Bride, Disciples or True Church is removed from the earth via the Rapture / Harpazo / Redemption / ‘Twinkling’.

Seven (7) References to ‘BE WATCHING or WATCHFUL.’

Matthew 24:42; Watch therefore: for ye know not what hour your Lord doth come.

Matthew 25:13; Watch therefore, for ye know neither the day nor the hour wherein the Son of man cometh.

Mark 13:35; Watch ye therefore: for ye know not when the master of the house cometh, at even, or at midnight, or at the cockcrowing, or in the morning.

Luke 21:36; Watch ye therefore, and pray always, that ye may be accounted worthy to escape all these things that shall come to pass, and to stand before the Son of man

Luke 12:37-39; Blessed are those servants, whom the lord when he cometh shall find watching: verily I say unto you, that he shall gird himself, and make them to sit down to meat, and will come forth and serve them. And if he shall come in the second watch, or come in the third watch, and find them so, blessed are those servants. And this know, that if the goodman of the house had known what hour the thief would come, he would have watched, and not have suffered his house to be broken through.

1 Thessalonians 5:2-4; For yourselves know perfectly that the day of the Lord so cometh as a thief in the night. For when they shall say, Peace and safety; then sudden destruction cometh upon them, as travail upon a woman with child; and they shall not escape. But ye, brethren, are not in darkness, that that day should overtake you as a thief. (Be Watching).

John 13:19 Now I tell you before it come, that, when it is come to pass, ye may believe that I am he.

John 14:29 And now I have told you before it come to pass, that, when it is come to pass, ye might believe.

Luke 21:31 So likewise ye, when ye see these things come to pass, know ye that the kingdom of God is nigh at hand.

Mark 13:29 So ye in like manner, when ye shall see these things come to pass, know that it is nigh, even at the doors.

Luke 21:28 And when these things begin to come to pass, then look up, and lift up your heads; for your redemption draweth nigh.

Revelation 1:1 The Revelation of Jesus Christ, which God gave unto him, to shew unto his servants things which must shortly come to pass; and he sent and signified it by his angel unto his servant John:

‘Increasing Like Labor Pains.’ ‘Fearful Sights.’ ‘Perilous Times.’ ‘Men’s hearts failing with fear.’ Great Convergence of Signs.’ REDEMPTION IMMINENT.

In His Service,

Night Watchman

Paul Rolland

Night Watchman Ministries

Make Your Decision for Christ NOW!!!!!!! Time is Up!!!!!!!

Jesus Christ’s Offer of Salvation:

The ABCs of Salvation through Jesus Christ (the Lamb)

A. Admit/Acknowledge/Accept that you are sinner. Ask God’s forgiveness and repent of your sins.

. . . “For all have sinned, and come short of the glory of God.” (Romans 3:23).

. . . “As it is written, There is none righteous, no, not one.” (Romans 3:10).

. . . “If we say that we have no sin, we deceive ourselves, and the truth is not in us.” (1 John 1:8).

B. Believe Jesus is Lord. Believe that Jesus Christ is who He claimed to be; that He was both fully God and fully man and that we are saved through His death, burial, and resurrection. Put your trust in Him as your only hope of salvation. Become a son or daughter of God by receiving Christ.

. . . “That whosoever believeth in him should not perish, but have eternal life. For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. For God sent not his son into the world to condemn the world; but that the world through him might be saved. (John 3:15-17). For whosoever shall call upon the name of the Lord shall be saved.” (Romans 10:13).

C. Call upon His name, Confess with your heart and with your lips that Jesus is your Lord and Savior.

. . . “That if thou shalt confess with thy mouth the Lord Jesus, and shalt believe in thine heart that God hath raised him from the dead, thou shalt be saved. For with the heart man believeth unto righteousness; and with the mouth confession is made unto salvation.” (Romans 10:9-10).

. . . “If we say that we have no sin, we deceive ourselves, and the truth is not in us. If we confess our sins, he is faithful and just to forgive us our sins, and to cleanse us from all unrighteousness. If we say that we have not sinned, we make him a liar, and his word is not in us.” (John 1:8-10).

. . . “And he is the propitiation for our sins: and not for ours only, but also for the sins of the whole world. (John 2:2).

. . . “In this was manifested the love of god toward us, because that God sent his only begotten Son into the world, that we might live through him. And we have seen and do testify that the Father sent the Son to be the Saviour of the world. Whosoever shall confess that Jesus is the Son of God, God dwelleth in him, and he in God.” (1 John 4:9, 14-15).

. . . “But God commendeth his love toward us, in that, while we were yet sinners, Christ died for us. Much more then, being now justified by his blood, we shall be saved from wrath through him. For if, when we were enemies, we were reconciled to God by the death of his Son, much more, being reconciled, we shall be saved by his life.” (Romans 5:8-10).

. . . “For the wages of sin is death; but the gift of God is eternal life through Jesus Christ our Lord.” (Romans 6:23).

. . . “Jesus saith unto them, I am the way, the truth, and the life, no man cometh unto the Father, but by me.” (John 14:6).

. . . “For I am not ashamed of the gospel of Christ: for it is the power of God unto salvation to everyone that believeth.” (Romans 1:16).

. . . “Neither is there salvation in any other: for there is none other name under heaven given among men, whereby we must be saved.” (Acts: 4:12).

. . . “Who will have all men to be saved, and to come unto the knowledge of the truth for there is one God, and one mediator between God and men, the man Christ Jesus.” (1 Timothy 2:4-6).

. . . “For God did not appoint us to suffer wrath but to receive salvation through our Lord Jesus Christ.” (1 Thessalonians 5:9).

. . . “But as many as received him, to them gave the power to become the sons of God, even to them that believe on his name.” (John 1:12).

True Church / Bride of Christ Spared from God’s Wrath:

 Romans 5:8-10. “But God commendeth his love toward us, in that, while we were yet sinners, Christ died for us. Much more then, being now justified by his blood, we shall be saved from wrath through him. For if, when we were enemies, we were reconciled to God by the death of his Son, much more, being reconciled, we shall be saved by his life.”

Romans 12:19. Dearly beloved, avenge not yourselves, but rather give place unto wrath: for it is written, Vengeance is mine; I will repay, saith the Lord.

1 Thessalonians 1:10. And to wait for his Son from heaven, whom he raised from the dead, even Jesus, which delivered us from the wrath to come.

1 Thessalonians 5:9. For God hath not appointed us to wrath, but to obtain salvation by our Lord Jesus Christ,

Romans 8:35. Who shall separate us from the love of Christ? shall tribulation, or distress, or persecution, or famine, or nakedness, or peril, or sword?

Jeremiah 30:7. Alas! for that day is great, so that none is like it: it is even the time of Jacob’s trouble, but he shall be saved out of it.

Revelation 3:10 Because thou hast kept the word of my patience, I also will keep thee from the hour of temptation, which shall come upon all the world, to try them that dwell upon the earth.