Overview:
This solution is designed to meet the needs of
banks and credit unions who seek to create
additional revenue streams by continuing to
offer rewards programs to customers while
avoiding on-going regulator pressures and hotly­ contested privacy issues.

Creates New Revenue Streams:

• Provides 0.1% cash back to the financial institution on qualified customer purchases.
• Provides unregulated revenue stream without having to resort to selling customer personal information.
• Provides one of the first Durbin Amendment compliant alternative solutions.
• Automates weekly ACH batch upload for funding reconciliation.
• Integrates a referral mechanism for financial counseling, planning, and investments.

Offers Rewards to Your Customers:

• Provides 1% cash back to the customer on qualified purchases at participating merchants.
• Shop at your favorit­e stores, buy your favorite products, use your debit or credit card.
• Offers value and loyalty based rewards from hundreds of manufactures and merchants.
• Leverages the value of 3rd Party value partners like Shopping Nanny and Groupon provide value nationwide.
• Provides access to training to help meet Federally mandated financial literacy education.
• Integrates SMS (text) messaging alerts for customers.
• Exports data into budget and planning solutions to help reinforce responsible spending and saving habits.
• Exports data for use in industry standard applications such as Intuit.

Avoids Regulatory and Privacy Issues:

• Automates the matching of transactions without exposing account numbers or personal contract information of account holders.
• Provides a transaction audit, reconciliation and analysis of spending patterns using non-attribution data.
• Provides a safe, secure and Sarbanes Oxley compliant solution.