The Bible Prophecy of a Time that without a Mark in your Right Hand or in Your Forehead you will not be able to Sell or Purchase . The Scanner has arrived in 2015 already and over 3.3 Million are Link to this system already !
Rev 13:16 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:
Rev 13:17 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.
Rev 13:18 Here is wisdom. Let him that hath understanding count the number of the beast: for it is the number of a man; and his number is Six hundred threescore and six.
This is the 666 Scanner . With Iris Scan , Forehead Scan and Hand Scanning Technology
THE UN BEAST SYSTEM = UNHCR
Ensuring cash assistance reaches only those who need it the most
Over 600,000 Syrians currently live in Jordan, a small kingdom with only seven million nationals. Around 80 percent of those refugees reside in urban areas, interspersed among Jordanians and other permanent residents. Some have been able to find jobs. Many more rely on cash assistance to pay for food and water, and cover other basic needs. More often than not, if a refugee is receiving cash assistance in Jordan, that financial support has come from UNHCR. Last year the agency was responsible for around 75 percent of cash transfer volume in Jordan. More than $50 million were distributed to approximately 30,000 refugee households or 105,000 individuals. A further $16 million have gone out in cash assistance in the first four months of 2015. Overall, since UNHCR began distributing cash assistance in the Hashemite kingdom in 2008, refugees there have received $118.7 million in support. But before the program could be rolled-out to include Syrian refugees in 2011, it needed to be updated.
UNHCR first began distributing cash assistance in Jordan in 2008. Back then, recipients were mainly Iraqi refugees. Like most Syrians who would come after them, the Iraqis had been driven out of their own country by war, and had settled amongst urban populations in Jordan, usually in sub-standard housing or apartments. UNHCR carried out assessments to ascertain who was most in need of financial assistance, before supplying those approved for the program with an ATM card and PIN number, with which they could access a monthly allowance. By 2009, over 5000 Iraqi families were receiving an average of $210 a month.
This was one of the first large-scale UNHCR cash assistance programs of its kind. It became clear just how fortunate it was that the system had been set-up three years later, when thousands of Syrian refugees started entering Jordan every week. Many Syrians also needed cash assistance. UNHCR was able to quickly leverage its cash assistance system to include them – following one important change to its distribution method.
The change was needed because especially at the beginning of the Syrian civil war, some Syrians regularly travelled between the Hashemite kingdom and Daraa, a city just north of the border to Jordan. Only refugees living in Jordan were eligible for the program, however. UNHCR therefore had to find a distribution method that guaranteed that its limited resources reached only eligible recipients.
2. IDENTIFY SOLUTIONS
Using biometric technology to make it easier for refugees to access cash
Abandoning cash assistance altogether in favor of goods like food or clothes was not an option, because the practice of distributing cash is a particularly effective form of aid. It avoids overhead costs, such as transport, storage and distribution costs, so that of every $100 donated, $98 go directly to the refugees.
Instead, UNHCR decided to update its system, and found a solution in iris scanning ATMs. Cairo Amman Bank – the partner for UNHCR’s cash assistance project – had pioneered the use of biometrics in its banking system, by introducing iris scan technology in 85 branches, and 200 ATMs across the kingdom. The agency decided to capitalize on this technology, because using biometric identity verification avoids many of the issues that can occur with bank cards. Indeed, PIN codes can be forgotten, and cards can be lost, or left in the machine for too long. A bankcard can also be given to someone else. This meant that when the cash assistance program was introduced for Iraqi refugees, UNHCR had to regularly carry out so-called ‘presence checks’ to make sure those who had been allocated cash assistance were still the ones receiving it.
Those presence checks become obsolete with biometric identity verification. Using iris scans guarantees that allocated cash reaches intended recipients not just once, but every time money is withdrawn from the account. Plus, because there was an agreement between UNHCR and the bank already in place, the transition to the new technology could begin straight away without the need for further contracts.
IrisGuard Unleashes EyePay® Platform for Trusted Payments via Banks and Blockchain Channels, Transforming Cash and Food Assistance to Vulnerable Refugees
Press Release, Geneva, 25th June 2017
IrisGuard, the world leading authority on Iris Recognition Technology (IRT), with over a decade of operationally-active successful holistic systems around the world has unleashed today its latest version of the EyePay® system for trusted payments for both banks and blockchain channels, transforming how cash and food humanitarian assistance are delivered to vulnerable refugees.
The EyePay® Platform is all-inclusive humanitarian system serving the United Nations High Commissioner for Refugees (UNHCR), the World Food Programme (WFP), the United Nations Children’s Fund (UNICEF) and the International Organization for Migration (IOM) in providing legal digital identities, cash, food and non-food based assistance to vulnerable refugees throughout the Middle-East and Africa; IrisGuard has achieved this milestone in over four years of continued operations in concordant cohesion with the United Nations Sustainable Development Goals.
The UNHCR has flawlessly enrolled over 2.3 million refugees (over 75 nationalities) from Jordan, Lebanon, Iraq, Egypt and Syria using IrisGuard’s state-of-the-art EyePay® technology by doing so; the UNHCR has achieved financial inclusion for unbanked refugees and enabled them to efficiently receive international donor cash assistance directly on unattended bank ATM’s and food at checkout counters in supermarkets and nonfood items in camps; all while refugees are either unable or not allowed to open a bank account by law.
The UNHCR has further deployed other operational real-time 24/7/365 use cases, such as refugee repatriation & resettlement with the International Organization for Migration (IOM), further use cases under development include international remittance to refugees in camps and urban areas by family and friends abroad, healthcare services, microfinance, and many essential services for the betterment of refugees and displaced persons.
It is abundantly evident that mission-critical performance cannot be guaranteed or attained through any other biometric technology except with IrisGuard’s pristine technology. Instantaneous, around the clock; cross-country operational transactions are being reliably executed in under a few seconds no matter where the refugee is located in the region and irrespective of the harsh environmental conditions that the IrisGuard platform has to operate in, such as hot deserts and other hostile locations; all of this is achieved uniquely with one’s own iris without a card, pin, username, password, ID or mobile phone as many refugees simply do not own or carry or can afford such tokens.
IrisGuard’s cutting-edge EyePay® system has been tightly coupled with WFP’s novel private permissioned version of Ethereum; WFP also developed a smart-contract application leveraging that technology for assistance distribution for operations in one of the refugee camps in Jordan where more than 10,000 beneficiaries who have benefited from EyePay®/WFP smart-contract combination; as refugees purchase their food items using the eye, financial transactions are instantly settled on an Ethereum Blockchain which was specifically developed for that purpose. This is largest permissioned (private) Ethereum Blockchain implementation the world has seen to-date.
Securing the last mile in Blockchain using the EyePay® system was envisaged by IrisGuard where, in-lieu of people receiving the Blockchain cryptic private key, which is the weakest link in the chain, their eyes becomes that key; it cannot be lost, stolen, forged, copied or forgotten.
By streamlining the process within the EyePay® Platform, IrisGuard ensures that large scale Blockchain deployments are possible and in the process; eliminates fraudulent transactions and misappropriation of funds while reducing fees considerably. This is precisely what International donors are looking for in-order to stretch their humanitarian donations even further, in-order to cover more beneficiaries particularly with today’s enduring deficit in international humanitarian funding.
Furthermore, the EyePay® platform does away with the time-consuming and expensive card issuance and maintenance process while not relying on the presence of a smart phone with every refugee. These are formidable challenges for a Blockchain success in the immensely unbanked humanitarian world. Additionally, the blockchain automatically records transactions on a secure ledger, and therefore merchant settlement is instantaneous, which means shorter payment cycles as compared to traditional banking and third-party processor methods, something which merchants welcome tremendously.
Technology and innovation are continuing to transform the way we work, and humanitarian aid is no exception. Traditional methods of assistance — where beneficiaries may have to wait in line for cash, paper vouchers or food items — can bring with them a whole host of issues, including security problems, identity fraud, or corruptibility and mismanagement of funding.
As a result, digital payments are an increasingly appealing option for aid organizations — and traditional aid may no longer be the norm in countries where digital solutions can take their place.
The right conditions have to be in place for any innovative solutions to emerge, and solid infrastructure is an important foundation. For example in Jordan, with its strong telecommunications industry and relatively robust road networks, a stable base for cash-free assistance has been created.
Since 2012, the Office of the United Nations High Commissioner for Refugees has been registering the now 650,000 plus Syrian people living in Jordan using biometrics and iris-scanning systems. And cash-free assistance has been moving in the same direction.
“The Syrian response is the first ever almost fully digital response in the history of humankind,” Tidhar Wald, government and corporation relations specialist at the Better than Cash Alliance, told Devex in an interview. “When you see how something as technical and as geeky as digital payments make people’s lives better, you realize how tremendous the change is.”
So what’s the future of cash-free assistance? Here are four key factors to bear in mind when it comes to rolling out digital humanitarian aid programs:
1. Impact vs. innovation.
As with all innovative initiatives that rely heavily on advanced technology, critics are quick to assess the real impact of cash-free assistance programs. A report produced by the London-based Overseas Development Institute last year urged the humanitarian community to shift from in-kind donations to cash transfers. The think tank recommended assistance be delivered digitally wherever possible, noting that it’s an effective way to stretch limited aid budgets, and to help ensure the assistance is going to the designated recipient.
The increased speed and security of such withdrawals could also help secure buy-in from potential donors.
“One of the reasons for donor fatigue is uncertainty,” said IrisGuard Founder and CEO Imad Malhas, the company behind the biometrics scanning system employed in Jordan.
But in the long-term, will innovation outperform traditional aid?
The economic costs and benefits are important to weigh up. The borders in Jordan are now closed, in part due to the pressure on the country to support the refugees living there. The World Bank estimates that the arrival of Syrian refugees has so far cost Jordan more than $2.5 billion a year, or a quarter of the government’s annual revenue.
But the economic efficiency of programs such as the e-card initiative, among others, helps to flip the idea that this community is an opportunity rather than a burden, and to change the narrative, said Shada Moghraby, communications officer for World Food Program in Jordan. By working with local supermarkets, she said, the food agency is aiming to see money spent circling back into the local economy.
“We’re looking into ways of forming contracts with wholesalers and trying to get them to provide us with better prices,” said Moghraby. “This way you’re increasing the profit margin and it’s more cost efficient for the refugees.”
According to a study published in 2015, since the launch of WFP e-card initiative the assistance program has injected 600 million Jordanian dinars ($845 million) back into the local economy.
2. Human-centered approach.
As beneficiaries are able to make more choices based on their needs rather than receiving goods, they may not need sanitary items or clothing and the assistance could go further.
“As soon as you provide people with money, you also provide them with the agency and dignity to make their own choices on the type of food they would like to eat themselves,” said Better than Cash Alliance’s Wald.
This is important given the tightening of humanitarian budgets. Since the Syria donor conference in London in February last year, where WFP received a total of $623 million from Germany, the agency has provided over 535,000 Syrians living in Jordan with monthly payments using these e-cards.
While shopping in a WFP partner supermarket, a refugee from Syria receiving this food assistance allowance, speaking anonymously with Devex, said that before beginning to use the card in 2014 she would have to spend all the assistance in one go. As the head of a family of nine she now collects the entire assistance for the whole family and can split that over two shopping trips in a month.
Her experience is just one example of the over 80 percent of Syrian refugees living outside of refugee camps, an urban context that brings with it a series of potential obstacles.
She explained that she oversees the cooking for her entire family. Food is a central part of family life and she takes pride in being able to manage her own budget.
“I don’t care about the price,” she said. “I care about the quality of the produce.”
3. Data collection for donor interest.
For the humanitarian agencies involved, accurate data collection, both qualitative and quantitative, is an important benefit. The real-time data collected means being able to better understand consumer spending patterns, and know exactly what is being bought and how often.
This up-to-date market research can be shared with donors to improve access and distribution of what is really needed, said the Norwegian Refugee Council’s Catherine Osborn.
This system also means people are able to use the assistance without being immediately recognizable as refugees. According to Aoife McDonnell, an external relations officer with UNHCR, this helps to avoid the stigma sometimes attached to receiving aid.
4. Partnerships that work.
In order for these kinds of high-tech solutions to be applied in humanitarian contexts, a functioning ecosystem is required. This means getting all actors around the table at the same time, said Wald. These kinds of partnerships between organizations, businesses, and the host government are essential to be able to evolve any multisector project, as recognized in Sustainable Development Goal 17, “Partnerships for the Goals.”
“You cannot have one without the other. All of these parties need to be aligned together,” said Wald. “The government of Jordan has done a lot to allow those digital payment mechanisms to be rolled out.”
Partnerships within Jordan are taking different forms. The iris-scanning system, for instance, is now being used in an initiative between UNHCR and Cairo Bank so that recipients can withdraw cash from an ATM by scanning their iris directly at the machine. This aims to keep risk of identity fraud to a minimum. However, several recipients have expressed concerns that the machine could harm their eyes.
There are already plans in place to continue rolling out digital cash assistance projects elsewhere. Last September, the European Commission announced the European Union and its member states would dedicate 348 million euros ($369 million) in humanitarian aid to Turkey to support the everyday needs of the most vulnerable refugee families, signing its largest ever humanitarian program using direct cash transfers. The Emergency Social Safety Net, under the Facility for Refugees in Turkey, is the first social assistance scheme of its kind and implemented by the WFP and partners.
Given the ongoing humanitarian catastrophe in Aleppo, the future for the crisis in Syria remains bleak. But these long-term sustainable programs taking root in the region could be an important factor as people may wish to remain close to Syria and think how, if at all, they will return.
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