Acc Add EPC


		Additional EPC Services


	What additional EPC services are coming? Beyond “Taking Care of Others” and “Taking Care of Ourselves”, Every Penny Counts has patented or has in a patent pending status, the following innovative systems:

				EPC Services Now Available for Licensing

CreditCardBuilder is a very friendly system that allows a consumer to save cash at merchant point of sale (POS) terminals and have the funds sent to a secured credit card issuer. Once sufficient funds arrive at the designated credit card issuer, the consumer’s card (or a newly issued) card can be used as a traditional credit card. CreditRecover is a convenient way for debt ridden consumers to deposit cash at merchant point of sale (POS) terminals and have the full or partial payments sent to their card issuer. Under agreed upon terms, the cardholder may then be able to earn a measure of personal credit back from the credit card issuer, once selected levels of repayment are accomplished. EasyLifeInsurance is as an effortless opportunity for a consumer to save cash at merchant point of sale (POS) terminals and have the funds sent to a life insurance company. Consumers will be able to make full or partial payments on life insurance policies without needing to have a checking account.

		Smart Card Loading is a system that uniquely allows a consumer to deposit cash at merchant point of sale (POS) terminals and have the funds sent to the financial institution that manages their smart card account. When a consumers uses the system they will not need to have a checking, savings, or credit card account. After the cash arrives at the financial institution, the next time the customer uses their smart card the terminal can download value on to the smart card.

			Point of Sale Enrollment is an invention that allows cardholders to enter account instructions into a remote terminal or cash register terminal and have the host system that manages their account update the customer’s instructions in a database. For example, a cardholder in a retail store picks up a printed handout encouraging credit cardholders to use “PowerPennies for Credit Cards”. The handout lists the names and ID numbers of the approved charities. If the cardholder has interest in using PowerPennies for Credit Cards, the customer can have their credit card swiped at the POS and key enter in their charity ID number. At the end of the transaction, the customer will receive a receipt indicating their PowerPennies registration and the charity number they entered.

EPC Aggregation is an invention that provides customers anywhere with the opportunity to update their credit card and checking accounts with EPC service enhancements without the cooperation or permission of the financial institution(s) that manages their account(s).

Every major financial institution is now offering account aggregation services on their web sites. The problem is that one site is the same as the other. In contrast, EPC has developed and patent applied for an improved and powerful invention that will empower the financial institutions that license EPC Aggregation with the technology to steal customers from other financial institutions.

Effectively, EPC has built a “digital Trojan horse” that will allow its “Licensee” the ability to acquire and retain customers using proprietary technology. Under such an arrangement, the licensed EPC financial institution would enroll existing and non-customers using their Internet and aggregation technology to access the customers’ checking and credit accounts. Once online, with the permission of the account holder, the rounder amount could be calculated for each transaction and at the end of the month the total rounder amount would be sent by ACH to licensed EPC Partners for investment in mutual funds, insurance, nonprofit giving, etc.

It is expected that once a non-customer starts to use EPC products from the “Licensee” bank(s), they will be prime candidates to switch over all of their banking business to the “Licensee”. Details on EPC Aggregation will be made available to prospective “Licensees” at the time of in-person presentations.

The banks and card issuers that license Save/Invest Checking, CreditCard Save/Invest Club, PowerPennies Checking, and PowerPennies Credit Card will have the right to offer the above products to any customer or nonprofit that banks with any competitor - both domestically or globally - simply by offering the services via EPC’s patent pending aggregation technique.


		EPC Products PowerPennies Credit Card CreditCard Save/Invest Club PowerPennies Checking Save/Invest Checking Universal Stored Value Card Merchant Gift Card ”CaringGift” Card AutoGive CharityCoins CouponShare CreditCard Builder EasyLifeInsurance CreditRecover POS Smart Card Load POS Enroll EPC Aggregation Easy Deposit



	Pennies, Just Pennies!

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Easy Deposit is an invention that truncates checks and cash at the earliest point in the customer transaction chain, as well as converts ordinary POS terminals into low cost, convenient bank depositing locations.

The invention uses a “black box” and a “network means” to digitize/image/off site store/void paper checks, as well as accept and truncate cash in a merchant POS terminal for the purpose of:

Providing customers with the opportunity to make deposits of both cash and checks to their checking accounts at any non-bank location using POS technology, i.e. supermarkets, convenience stores, retail stores, etc.

Providing individual and small business customers with the power to deposit paper checks to their checking account at home or in the office.

Enabling businesses to accept paper check payments for goods or services and, simultaneously, deposit the checks to their commercial checking accounts - all in one transaction.

Providing banks with the ability to immediately digitize and image paper checks at teller stations, kiosks, and their bank’s and foreign ATM machines, while simultaneously shredding or voiding the paper checks.

Saving the banking community millions of dollars in processing fees, transportation cost, postage, and in the size and number of branches.


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