Apple and Google are joining together to launch a massive drive in Covid-19 health tracking.  Have you heard about this ?  They are refusing to share the app with the Huawei (who they apparently hate, big time; which doesn’t really matter because we all know that China has absolutely no Covid-19 anymore).  But there’s a bit more to this humanitarian health-sharing app, than meets the eye.

It will work by our phones pinging between other phones, those of our contacts and others, via bluetooth, locating us and those around us. If someone tests positive for Covid-19, the app will send a notification to everyone they’ve been in contact with, in the past 14 days.  It will also track the amount of time spent with the infected person, in five minute increments. 


Obviously, there are tons of other advantages to this.  We won’t need to worry about getting lost, the government will always be able to find you.  It’s basically going to track everything we do, where we go and who we’re with.  Forever.


Now the other thing interesting thing about this application, is it really sounds a lot like “Blockchain”.  What is Blockchain?  A new toy; bit like Lego?  That’s pretty much spot on – if you’re a teckie anorak living in silicone valley (in a billion dollar house with a James Bond car).  For the rest of us humans, it’s another over-complicated, new thing we are supposed to try to understand.

Blockchain is a new paradigm in the way information is stored. Think of it akin to building a Lego wall; each Lego block is held in place by its proximity to its neighbouring blocks.  You can’t remove a single block, without disrupting all of the surrounding ones.  Blockchain is a record of information, held in place by the co-creators of that information – the neighbouring blocks, rather than having a single holder/owner of information.  eg, in terms of location; a huge number of phones hold information on one another. This also means any changes to information show up by disrupting a huge chain of stored information, so are visible.  This is one of the ways it disrupts fraud.  The Covid-19 health app, certainly sounds a lot like an application of blockchain to me.  We will be mapped in relation to other phones/devices constantly.  Until now, the mapping of someone’s location (other than with GPS) say of a missing person, was done by locating them between the three nearest phone masts to them.  Mapping us via the people we are sitting next to on a train, in a restaurant, or by those who are who are driving or walking nearby, is a game changer in personal privacy.

However, the biggest positive application of Blockchain for individuals, is likely to be in terms of fraud prevention and protection.  The international banking “community” have totally lost the battle against electronic fraud.  The last reliable statistic for amount of debit/credit card fraud transactions was published in 2016, which stated it was 6% of total credit/debit card transactions*.  I think we can all agree it’s been on a massive rise in the past three years.  But let’s use that 6%.

The total transactional value, for the top three card processors in 2019, Visa, Mastercard and Amex was $16.5 trillion USD.  6% of that, is a staggering $1 trillion US dollars, a year, in stolen money;  and that’s a conservative estimate.   That’s also more than the total income from tax, of the UK government.  What I wanna know is, where did it go? No one seems to know, but someone knows. It can’t just disappear, surely?

If you want to have a look at the scale of card fraud for yourselves,  and check if your own credit/debit cards are for sale; register on the website Joker’s Stash bazar; www.jstash.bazar  It’s an online database of card and owner information – for sale.  You can search by country, postcode/zip, name, “likelihood of it working” or by the “bin” number of a card. The “bin” number, is the first six numbers on any card.  One of the reasons we hear that “things are constantly changing in credit card fraud”, is because the “bin” numbers are constantly changing in terms of being temporarily “live” for fraud (I can’t tell you why).  So, if you have a good tip-off, you’ll hear a certain bin no is live, and go online and buy cards, geographically local to your, beginning with those numbers.  It’s not as simple as that to use them, they actually difficult for individuals to make transactions, without post/phone access as well.  So it’s almost like a double whammy for whoever is behind this, masssively scaled fraud transactions, and a sideline in selling the card numbers to guilable punters, trying to steal there way through the Nike store. Good luck, check your own cards, often.

Once you see the true scale of card fraud, you realise that the banking systems have given up on the status quo.  They need a completely new approach, a new way or working, which is what Blockchain will hopefully provide.   Card fraud not a small operation, it’s highly organised crime, on an epic scale.  For example, right now, Jstashbazare are advertising a “new dump of 4 million cards”, for sale. 

Get your’s now – while stocks last. xxx