Every Penny Counts®, Inc.

Provides banks, processors, merchants and nonprofits - with patented technology - to grow and maintain passionate customers!

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Additional EPC Services

EPC Independent Rounder 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 Independent Rounder 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 Independent Rounder will be made available to prospective “Licensees” at the time of in-person presentations.

The banks and card issuers that license EPC Rounder Checking, EPC Rounder CreditCard, PowerPennies Checking, and PowerPennies CreditCard 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.

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.

Depositing With Truncation is an invention that simultaneously: (a) uses a remote terminal (at a teller stations, kiosks, or an ATM machine) to hold, scan and image a paper check at the time of deposit, (b) send the check images to a host computer system for storage, (c) accepts a report back from the host system acknowledging that the images have been are properly stored, and (d) follows instruction to destroy the paper check while it remains in the remote terminal.

 Easy Deposit is an invention that will allow consumers to: (a) make cash and checks deposits to their checking accounts at any merchant POS locations using modified technology in supermarkets, convenience stores, retail stores, etc. (b) by scanning and sending paper check images to bank host systems, and (c) leveraging merchant commercial accounts to transfer cash funds for deposit.  

Depositing with Truncation and Easy Deposit will provide convenience for consumers and save the banking community millions of dollars in processing fees, transportation cost, postage, and the number of needed branches.