They are unobserved by humans and normally no passed around between bots, except at the hardware fad, under guard. The fab is free to give each card one or more cash o hand keys, and the cards hold them in common. Any transaction using the cash on hand key will have a card ID immediately identifiable at the POS. Each POS holds a the set of cash on hand public decoding keys.
So, no thumbprint needed. I can set one or more cards to have hundred dollar cash on hand contracts. They are legally binding, I thumbprint them. Then I give the cards out to workers for the days expenses, no thumbprint needed, I have met the thumb print rule.
Here is the set up. A contract is defined by the triplet <trading bot,card ID,coins>
The required set of contract rules are guaranteed by the bot, and include following the thumb print requirement rule while trading. So everything connects, we get a robust mix of coin types, each with a different ledger protocol. They can appear in contracts, and always include the basics. The key to verifying the contract is the card ID. Contracts are all pure cash, smart contracts are above, unpriced and deliberate mass,time,distance hedges.
The default exchange method
<Null,Null,Digits" This triplet contract is between two cards, the two folks looking at each other, here, have some digits. Perfectly valid. But it has to meet the fundamental thumb print requirement, In this case, thumb print required.
If some low frequency thumb print pattern. If it is not seen, the card becomes missing human, won't trade.
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