The Paradigm Shift is occurring as I type this.

1. MasterCard has "shifted" it's focus to debit cards

2. Two months ago, for the first time in the history, debit card "volume" surpassed credit card volume, and

3. Macy's web sales have trumped it's store sales. (see story below)

It now looks more and more like a certainty eCommerce will one-day take over the brick and mortar space, But it is wrought with fraud. Therefore PIN Debit (with it's built-in two factor authentication True Zone 1-5 End-to-End-Encryption ) is the obvious payment method for this space. Did it ever occur to you that there is a reason signature debit is called off-line debit" and PIN Debit is referred to as "online debit?" I ask you...which one makes the most sense for "online" shopping? See: Chase Paymentech Predits PIN Debit Ubiquitous on Web by 2012

Here's why HomeATM is uniquely positioned:

1. There is "only one" PCI 2.0 certified PIN Debit solution for the Internet, and that one and only is HomeATM.

2. HomeATM also owns the "global" patent for any Debit or Credit Card Payment transaction conducted via the Internet, be it hardware or software based. (US Patent and Trademark Office has issued patent No. 6,834,271 (see related articles below) to HomeATM's wholly owned subsidiary Kryptosima/Patent for Internet ATM/Debit and Credit Card Transactions Granted In Europe -HomeATM announced that it hasreceived notification that the European Patent Office isgranting Kryptosima's patent application No. 00957801.4 for "ApparatusFor and Method of Secure ATM Debit Card and Credit Card PaymentTransactions Via The Internet."...)

3. HomeATM also recently went through a CTGA ANSI TG-3 Audit (The American National Standards Institute(ANSI) has developed a set of best practice security standards known asTechnical Guide 3 (TG-3) to govern Personal Identification Number (PIN)Security. Interbank networks that route Automated Teller Machine (ATM)and Point of Sale (POS) transactions such as STAR, Pulse, and NYCErequire their members to achieve compliance with TG-3 standards.Organizations held to these control standards are subject to periodicaudits by CTGA (Certified TG-3 Auditor) licensed professionals) and based on what we've heard certification is imminent. To our knowledge, we would be the "first and only" company in the world with a eCommerce PIN solution to be TG-3 certified. We know were' the only one who is PCI 2.x certified.

4. Based on the aforementioned, specifically 1 & 3, HomeATM is the most secure (tested and documented) online payment in two hemispheres...