By Ray F. Judson, JR-II

Hello everyone,

Well here is the outer layer of the onion, the papery husk that stops it from drying out. Ha, ha.

In summary: First, It is really this simple. A bank giving an account owner the ability to freeze her account’s transactions (inactive), anytime she wants. Also, she can turn her account’s transactions back on (active), at will. And, when her account is active, she can use Restrictions, that can easily create more encryption than the uniqueness of her fingerprint. And, when the first Restriction has expired or come to fruition, her account will revert to inactive. Here is the rub. If someone try to access her account while it is inactive or outside of her Restrictions, it will cause an alert. Because, the bank will know that it is not her. Simply because, with her settings she told the bank what she was doing with her account. So, the bank doesn’t have to guess is it an authorized transaction or not, it will know. So, when the bank determines that it is an unauthorized transaction. The bank can use the same means that it uses to know where the financial information came from and where to send the financial transfer, to locate the criminal. Hey! There he is, standing right there, in front of the cashier. Where he just swiped a cloned card of your card in the debit/credit card machine and keyed in your stolen PIN. (Because, all of this happen as fast as a computer can calculate, or the time it takes for a normal card transaction.) He is still waiting for the information to be authorized so he can swindle you. But, all he is going to get is the authorities in his face and be arrested.

For the first time, we will be out in front of the criminal.

If the banking/credit card/personal information filing entities know… and I repeat know your spending activities, like: is it active or inactive, when, where, how much, with whom, how many transactions, and so on…. And, the criminals are left out of the loop. This will greatly hinder the criminals from taking your hard earned money and destroying your perfectly preserved credit or just taking what is yours. Second, On top of all that, The Geym Cheynjer will catch those criminals in the act and we can put them behind bars, where they belong. Third, This service will still have all of the privacy afforded by other accounts. Because, it all can be set-up with a full automated system. The only time authorized personnel needs to look at your account is when an alert has been activated by an unauthorized usage. Fourth, it will be an efficient and cost conserving way for the banking/credit/information filing entities to create a higher security level for our money, credit, and personal information then what we currently have. And, without totally dismantling The U.S. infrastructure for the security of our personal financial and personal identity. This may be critical, especially at this time where a lot of the proponents of the financial world, want the U. S. Dollar to take a backseat to some other monetary unit. We must act fast and strong if we do not want that to happen. And, this is one of the steps in going in that direction. Oh, by the way, that includes you too Canada and Europe. Like it or not, your financial future is connected to The US Dollar, as well.

The Geym Cheynjer is the closest system to the date to being identity fraud preventive, not just monitoring & trying to catch them after the fact.

That is it!

The easy go lucky days of, going through your trash, to obtain the personal information, setting up ATMs with pin cams and card magnetic strip readers, and pick pockets & other criminal activities, are all futile.

The Geym Cheynjer creates a barrier that the common criminal can not get passed.

He can have all of your personal information, but he will still have to know how to use it. At the least not as care freely, as before.

This is The End of My Presentation. Thank you for your time and effort.

I am Ray Judson JR-II from Um-What,llc. A think tank with ideas for the betterment of all. We have 3 very thought provoking ideas and a few little do-dads that will make you go hmm, go to www.umwhatllc.com And, we are crowd-funding for an immensely clever idea that will stop 99%+ of identity theft before the transaction is made, go to www.identityfraudfix.com

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By Ray F. Judson, JR-II Hello everyone, Well here is the outer layer of the onion, the papery husk that stops it from drying out. Ha, ha. In summary: First, It is really this simple. A bank giving an account owner the ability to freeze her account's transactions (inactive), anytime she...