Banking Concept: Credit / Debit Card "Region Lock" Feature

Hello All,

I myself having been the victim of a stolen credit / debit card account number. Where a fraudulent transaction took place in London UK and I live here in the State of Florida. I know the headaches this can cause having to change my credit / debit card numbers. Besides the much needed "back and forth" correspondence with my bank.

Aside from my personal experiences the black market of stolen credit / debit card account details is probably worth billions of dollars world-wide. Where a soccer mom's credit card details are stolen and it ends up in Russia via a criminal syndicate.

My concept is to prevent this vicious cycle of credit / debit card account details theft through a security feature known as the "Region Lock". Whereby an account holder of a credit / debit card logs into their bank account online. Where they can select via a global map the: continent, regions, national province, or U.S. State where they're credit / debit card is authorized for use. The physical credit / debit card itself will not have any sort of acknowledgment that this security feature is in place.

So for example I would select my authorized "Region Lock" areas to be either the State of Florida. Or I could select regions of North America or parts of my State of Florida. Such as South West Florida where my home town is located in Sarasota and selecting South Florida. Due to vacation trips I take to visit family in Miami once a year.

If my credit / debit card becomes stolen through the loss of my account details. Where it ends up in Asia lets say Hong Kong and it gets used in a retail transaction. An unauthorized security flag will go up instantly where the merchant in Hong Kong and my local bank would be alerted that my account credit / debit card have become compromised.

Such a banking security feature for credit / debit cards may also devastate the resale black market abroad. Where thieves or criminal syndicates themselves will no longer make a dishonest profit at the expense of unsuspecting individuals. Where a banks fraud insurance policy in premiums may actually go down. Due to a lower incident rate of stolen credit / debit card numbers in covering fraudulent transactions.

Yes, the Region Lock security feature may be useless in terms to physical credit / cards that are stolen locally and used locally. However nowadays these are becoming the minority of credit / debit card thefts. Where the majority of fraudulent transactions are occurring abroad for stolen account details.

Jewels of Truth Quotations & Favorite Quotes of The Month

Hello All,

Today is the very first day of Summer, so says my calendar. With that it is a time of purpose to be pursued and meaning to be sought. For the time of renewal has past us within Spring.

Live your purpose and do it well.

Enjoy this month's three all original Jewels of Truth statements.

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899) You are with us, and we are with you. No greater words can be spoken in solace in terms of companionship with the Holy Spirit.

The Holy Spirit encompasses all benevolence one may seek in comfort and assurance during a daily routine. Be it in this mortal life of ours or in our next life in heaven. Surrender all your drama and emotional baggage unto the Holy Spirit. Which as a force for good will transform your burdens into a wonderful loving grace for your own personal good. Amen. ---Ivan Pozo-Illas / Atrayo.


900) What is the "human condition"?

It is none other but a lifetime of pain and joy. A living paradox that all life itself encounters no matter the centric view of a particular species. It is truly a universal condition no matter how divorced in emotion a sentient species is from its own psyche. A psyche can be whole or fragmented, whether engineered or natural in selection. It is nonetheless alive and dynamic as a living embodiment of its own ancestors. It is a universal creation in the eyes of God(dess). Amen. ---Ivan Pozo-Illas / Atrayo.


901) For those who seek "Bliss" without being ignorant. The path is not an easy one, however it is achievable by the gentle hands of grace within your own soul. To achieve this bliss through awareness one must surrender all that is vain and worrisome. By surrendering your viewpoint of being right versus being good, will allow you the freedom to experience bliss with abundance.

Be centered within that which is true and purest. Where your best guide is that of total love for all that is sacred and divine. Be aware that this path will undo your human ego. By allowing a freedom where few can navigate without prejudice in their hearts. Amen. ---Ivan Pozo-Illas / Atrayo.

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The grateful heart sits at a continuous feast. ---Anonymous.

You will have confidence, because there is hope; you will be protected and take your rest in safety. ---Job. 11:18

The personal life deeply lived always expands into truth beyond itself. ---Anais Nin.

By three methods we may learn wisdom: First, by reflection which is noblest; Second, by imitation which is easiest; and Third by experience which is the bittersweet. ---Confucius.

Where you stumble, there your treasure lies. ---Joseph Campbell.

Ad Concept: Courier Service Advertisement Campaign

Hello All,

A while ago I listened to an older "Stevie Wonder" song titled "Signed, Sealed, Delivered, I'm Yours". Which got me thinking, has there ever been an advertisement campaign using this song previously? If not, why hasn't the courier service providers be they: UPS (United Parcel Service), Fed Ex (Federal Express), DHL, or USPS (U.S. Postal Service) ever capitalized on this song for an advertisement campaign?

Allow me to place the lyrics of this entire song below for your viewing pleasure.

Stevie Wonder: Signed, Sealed, Delivered I’m Yours

Like a fool I went and stayed too long
Now I'm wondering if your love's still strong
Oo baby, here I am, signed, sealed delivered, I'm yours

Then that time I went and said goodbye
Now I'm back and not ashamed to cry
Oo baby, here I am, signed, sealed delivered, I'm yours

Here I am baby
Oh, you've got the future in your hand
(signed, sealed delivered, I'm yours)

Here I am baby,
Oh, you've got the future in your hand
(signed, sealed, delivered, I'm yours)

I've done a lot of foolish things
That I really didn't mean
Hey, hey, yea, yea, didn't I, oh baby

Seen a lot of things in this old world
When I touched them they did nothing, girl
Oo baby, here I am, signed, sealed delivered, I'm yours, oh I'm yours

Oo-wee babe you set my soul on fire
That's why I know you are my only desire
Oo baby, here I am, signed, sealed delivered, I'm yours

Here I am baby
Oh, you've got the future in your hand
(signed, sealed delivered, I'm yours)

Here I am baby,
Oh, you've got the future in your hand
(signed, sealed, delivered, I'm yours)

I've done a lot of foolish things
That I really didn't mean
I could be a broken man but here I am

With your future, got your future babe (here I am baby)
Here I am baby (signed, sealed delivered, I'm yours)
Here I am baby, (here I am baby)
Here I am baby (signed, sealed delivered, I'm yours)
Here I am baby, (here I am baby)
Here I am baby (signed, sealed delivered, I'm yours)

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Great music always add an additional dimension to any sort of visual medium. Be it for TV commercials or other content programming for television.

Let's hope ad agencies are paying attention on what could be for a courier service clientele.

Game Industry Commentary: Will DLC Spell The End For The Modder Community?

Hello All,

This question popped into my head will a game publishers exclusive DLC, be it paid or free with the purchase of a particular game title. Force an unhealthy competition between the modder community of say "Bad Company 2" a FPS title from Electronic Arts (EA)?

Right now gamers of the PC platform are waiting with baited breathe for each new DLC map pack. Never mind that EA / DICE is only releasing new game modes to the recent map packs of 2 & 3. This technically would cause friction in terms of effort and eyeballs with the modder community. To the remarks of EA / DICE that they won't release a mod editor to "Bad Company 2" (BC2). Because they are still learning and getting a handle on the game engine called "Frostbite" .

Is this subterfuge on the part of EA / DICE where all new content will only come from them in the form of DLC? (Downloadable Content) Or is this a stretch on my part where I'm just merely mistakened?

I was just using Electronic Arts as the most recent example of this potentially new trend. Where a game publishers DLC will clash with independent modders for just the love of the game. Yes, mod editor tools have extended the shelf life of many FPS multiplayer game titles. Besides RPG's like "Never Winter Nights" series to name one in that genre. But, now that DLC is coming into its own it will also extend the shelf life of a game for a game publisher. However it will generate additional income similar to micro-transactions for MMO F2P business model of games.

No doubt EA is the vanguard pushing hard on DLC for games like: Bad Company 2, Mass Effect 2, and Dragon Origins. Will EA through Bioware seek to insert the twin to DLC as in micro transactions in SW:TOR?

Time will tell especially as the game beta period gets closer.

How would modders feel to FPS or RPG games that DLC would rub them out of the picture?

Thank you for your remarks.