A method of quantifying the value added by an internal company credit rating system is described. In one embodiment of the invention, at least one well is formed on a semiconductor substrate. The watermark embedding device embeds electronic watermark information into the original image after processing by the background process device. The channel has a predetermined depth Do, and an open end of the channel has a predetermined width Wo. A trigger functionality selector has at least first and second states representing different functions of the portable data collection terminal that are to be activated by the trigger signal.