running of rock transaction it thus isolates the rock program from the operating system and runs it as a device program from the card 3 html compliant engine 26 displays the input and output data allows access only to the rock defined remote servers with hidden url addresses no trace of the url address of server pages delivered to the rock client left in the client machine 4 dynamic pin encryptor 28 generates a dynamic 12 digit pin the 4 digit pin is converted into a 12 digit dynamic pin by the pin encryption algorithm run from the client card the dynamic pin so generated is based on the current standard server time the ip of the client machine the card serial number its exe creation date and the user area code the pin decryptor 40 is located at the server and uses a similar algorithm to decrypt the 12 digit pin and authenticate the user 5 biometric amp personal information bank 30 u2014 biometrics such as photograph signature finger print bank names amp account nos etc may be stored on the card the details of such card holder is indexed in databases located at one or more remote servers 6 rock replication lock 32 u2014 although odd controller prevents the user from viewing copying or editing the.