A funds-transfer tracking system, fully accounting discounting,
for use on the direct-acting https-web [secure-internet]
are required to accept deference (over preference)
proportionably to their own summary usage of deference-paid-out"
- pdqbanking is the newest FAD on the world-wide-web internet
- FAD is Fully Accounted Discounting - keeping track of it all
- no longer are prices subject to loss-leaders nor write-offs
- with pdqbanking you're paid in full: immediately: not credit
- pdqb is preference : deference :: quotient = banking
- basically it's your choice: what you pay, you accept in kind
- the pdqb line of honesty is its calculatic proportionality:
- you accept p:d::q:b proportionally to your p:d::q:b holdings
- merchants are permitted to accept more d:p as sale/incentive
- follow the link, read the rules:
- when you pay with pdqbanking, you owe no man, but the system
- pdqbanking empowers individuals collectively for self-crediting
FAQC (Frequently Answered Questions, Comments)
With the advance of on-line banking,
we can actually remove the first-level inflation
of the Treasury investing at the prime rate,
by fully automating, fully accounting,
and fully discounting at each entry.
Of course, bank lending is the next big factor of inflation,
but with the advance of on-line individual self-empowerment
for timeless deference
(no-interest credit that must be receivable
proportionably to individual standing balances),
a reduction in this factor of inflation becomes mensurable.
pdqbanking empowers individuals globally for crediting
at the person-to-person transactions level.
Q: There must be a catch!?
The pdqbuyer pays the pdqseller a portion in cash-like preference,
and the remaining portion of the total in discount-like deference,
for an instant pdqcredit.
Q: What's it cost to use?! Another card to carry? Monthly statement?
It's on the internet, and, there is no interest, no sales tax,
no income tax, paid on the deference portion.
Q: There must be a catch! a membership fee, a buyers' preference plan,
... banner advertisements?
A: No: no fee
- there may be advertisements to cover the cost of operating
the internet/web server,
but nothing hideously scaled by the size of your transactions:
We're not bucking commercial,
we're accelerating commerce for the future.
Q: Who pays for this credit-advance service?!
A: No payment is needed: it's computed, and that's sufficient.
Q: You mean I can charge a portion of each small transaction,
and never pay interest? Ho, this is too good to believe.
A: It is good: But believe, and as ye freely give, so shall ye receive.
Q: Ahhh - I think I caught the clue: If I use it, I must receive it
- that's a catch - well, not exactly a catch.
Q: But how, what keeps someone from dumping this deference on me?
A: The line of honesty: You may receive in proportion you hold of giving:
but that line is a long line: you may never receive it all back -
in fact, once deference is in the system it works quite like good money:
better money, actually.
Q: How does pdqb fit into the present banking system?
A: Directly grafted-on:
The deference portion becomes accessible to the account holder,
as a second numeric balance empowering on-line spending.
Q: Who controls a pdqb transaction?
A: The pdqb calculation is based on all the account
information publicly available for the individual:
Thus any transactor can query the pdqb system; and any
transaction involving pdqb is controlled by that
Q: How much is revealed to the public about my pdqbank account?
A: The pdqb ratio and the sufficient-funds
acknowledgment are instantial public information at
the point of transaction: This is standard security
protocol for ephemeral data; The preference and
deference quantities are non-public information. Any
transactor or bank can query the pdqb system to
ascertain whether the buyer has an account, whether
the given bank account is included, and then the
transaction parameters: it is to the advantage of the
account holder to include all accounts into the pdqb
database, else transactors may prefer more and defer less.
Q: Then the pdqb system must have information on all
accounts for each individual?
The pdqbank system is the centralizer, by
reason of its deference amount applied to all
preference accounts in aggregate per individual.
There are two lines related to honesty:
Transfers between accounts require proportions of preference on the
continuum * limited to:
- paying with deference ratioed as much as seller has in balance spent deference ratioed
- accepting preference as much as buyer has spending pattern ratio
minimum receiver's proportioned pdq
balance (presently regarded as not less than $1) - that being preference
(income, total) held against deference-spent (outgo, total) held - exceptable
by receiver, but presently not less than $1 or lesser total, nor less than:
Commercial organizations offering time-special pricing to their general
clientele may also linearly interpolate said incentive during such event,
by day, or continually.
pdqbanking is a noninflationary record of transactions, consisting of a
total direct electronic funds transfer, partitioned into the preference
amount, equivalent of ordinary available cash or checking, and the deference
amount, equivalent of amounts owed no man but to the system, but not recoverable
as nor exchangeable with preference: deference may be deemed, creative
financing. Preference and Deference are measured in the same units, hereïn
denoted '*' called *nterStars or *nterClams, equal
to one US dollar, $1.00, whether preference or deference: The p+d sum equals
the amount of the ordinary transaction without mark-up nor discount (whence
the appellative, FAD fully accounted discounting), however balanced between
p and d - the quotient of p/d provides a line-of-honesty: the receiver
is not required to accept more deference than is held as outgo (negative
income) proportionally in account-balance: calculus proves the line-of-honesty
LOH = p*d - the receiver may publicly accept more deference proportionally,
to incentive sales, but remaining fully accounted: whence the discount
is real, and not written-off.
minimum 10% preference, general unrelated commerce organizations
minimum 1% preference, between unrelated nonprofit organizations
minimum 0.1% preference, between related nonprofit organizations
minimum 0.01% preference, nonprofit organization internal - pdqb
[but, 100% preference, generally presumed applicable
and enforceable, in judicial arbitrations and settlements, especially on
monetary damages, except and unless thereïn specified otherwise]
System-wide, (private) individually accounted preference:deference holdings
quickly tend to 50-50% [50% preference-held against 50% deference-spent
(negative-held)] and below as merchants accept pdqb payment till the purchaser
account achieves zero-preference. The (private) individual generally exists
anywhere in pdqb summary Quadrants I and IV [positive preference-held,
positive or negative deference-held or spent] - while merchants tend to
exist in pdqb summary Quadrant I [positive preference-held, and excess
positive deference-received-held, typically promotionally]. As national
banking itself incorporates pdqb, the Treasury tracks monies infused into
the economy on the exact zero-balance, 50-50% - the Treasury (alone, and
by Congressional Money Order) tends to exist near the equi-slope in pdqb
summary Quadrant II [negative preference-held, positive deference-held]
as cash is minted, printed, and loaned to Reserve Banks, for equal deference-return
- offset by taxed preference tax revenues collected.
* [The continuum property means, by calculus
the proportions are followed instantaneously continually along the receiver's
For USA federal income-tax purposes, the preference quantity received in
the year is taxable, while, the deference quantity received in the year
is nontaxable. If at some time some year for some reason an exchange is
made, wherein some portion of deference-held is converted to (equal) preference,
the quantity of preference newly held becomes taxable as income received
in that year. This does not occur for the purchaser in general commerce:
as the deference portion in a transaction is part-payment, not received.
[This may occur in special "p-for-d" loans, financial restructurings, and
legal bankruptcy proceedings, whereïn generally: Excess
preference received in a conversion is a gift - excess deference paid is
a cost - taxability being determined by other non-pdqb rules]
An applicant organization
must affirm and attest priority-one clearances for their accounting department,
and all persons handling, accounting, controlling, budgeting, programming
finances and monies: no person who has ever possessed, used, bought, sold,
conveyed, received, financed, paid- or received- monies -for, protected,
controlled, accessioned drugs deemed contraband under USA jurisdictions
and authorities. Furthermore, said persons must affirm and attest that
they conscientiously command their specified office and maintain said priority-one
clearance, and retroactively.
pdqbanking has currently set-up accounts for its USA 501(c)3 non-profit
parent organization project
and its separable subsidiary project
and for its conjunctive parent
Wision--SesQuaTercet USA productions,
and for its production of
[First Journey] Adam in Eden,
and for project N E M O
(NEMO Nuclear Emergency Management)
Advanced Public Adult Basic Education
department, for its liaisonship with said SesQuaTercet,
and for Lanthus Corporation,
which as of January 10, 2001, also surrogate-operates
pdqbanking services as a division, for project 'lambhorn',
and for its subsidiaries including
public national security and
AeroSpace Command (tba).
pdqbanking utilizes on-web https-secure and java-encrypting internet services, keeping:
If you are looking for articles about pdqbanking, please read
the Investment-Debt-Structure of money,
an early description of pdqbanking, from
Ledger of the Christ Science. The program author, designer, project
director, Mr. Raymond Kenneth Petry, has previously engineered and programmed
the LPSAS stock accounting system for Linkabit CORP, ca. 1972, for identifying,
purchasing, and cost-tracking of contractual and in-house component supplies
on the US SAC CPM/P, USNavy UFO, etc., contracts for USA and military secure
- accounts of authorized and authorizing 'p-d-q' transactions
- escrows of instigating documents, deeds, options, agreements, vouchers,
precursor or pursuant to funds transfers
a Lanthus division