A system and method of collecting payments uses an automated system to generate a draft, payable to the creditor and drawn on the payor’s checking account, pursuant to the payor’s authorization. By adding the silicon-containing high dielectric film, a leak current can be suppressed and the change in capacitor capacity accompanied with the change in applied voltage can be reduced. Then, the interconnections for a set of pipelined processors including the processor are defined. The selected image is then recorded. The image created by the camera can be scaled according to the distance of the object to the camera as determined with the sonar. The housing is suitably a headset, hat, shoulder harness or personal electronic device like a mobile telephone.