The invention is directed to a method and apparatus for pretreatment an object to be white light scanned to enable accurate and consistent scanning. With the arrangement, it is possible to provide a minute near-field light generating device which can be easily fabricated and which can obtain high-intensity near-field light whose temporal change in intensity is small. The sensor is based on an optically resonant cavity whose cavity length is affected by the environmental stimulus. The pre-paid card transaction computer loads the pending loan proceeds to the pre-paid card so that the loan proceeds are released to the approved borrower and are immediately available to thereby convert the pre-paid card into a loan delivery apparatus. In another aspect of the invention, a plurality of phosphor layers are applied to the transparent layer to produce a color display when reflected electrons are attracted to the transparent layer.