The eWallet and prepaid debit cards provides cross border remittance services to individuals that need to send money across the country or around the world, either outside or inside of the eWallet or debit card system. Typically used by Overseas Foreign Workers (OFW) to send money home when working abroad, the card to card or eWallet system is typically less expensive and more convenient to use since the origination takes place right in the eWallet or debit card. The cost of this service ranges from 25% to 50% less expensive than traditional services and the money is delivered within seconds. Remittance originations typically take place in developed countries where OFW’s are working and are sent to the traditional receiving countries.

Most people have a need to pay bills periodically so we implemented a bill payments system accessible from the eWallet to pay 1000’s of billers throughout North America. This convenient and inexpensive service is paid from proceeds in the eWallet. We are working with similar systems in other countries that we will be interfacing to the eWallet system.

The eWallet system provides a loyalty rewards program that is built to motivate people to “take action” through points earned by performing some function. The program is available with the eWallet and thereby to the prepaid debit card. There are two iterations of the rewards program that are typically implemented to provide incentives to buy and use a product.

These are:

• Merchant Funded Rewards Mall - It is in fact the largest and most diversified “Merchant Funded” mall on the internet and offers up to 30% in rebates and up to 60% in discounts.
• The eWallet System Incentive Program – Is a program designed to spur specific use of the eWallet and thereby the prepaid debit card or to use specific features within the eWallet or both. In this system award points are earned in response to certain actions by the Distributor and then credited to the Distributor's eWallet for the purpose of buying more product after a predetermined time of usage.. Furthermore, the Distributor must still be an active customer in good standing at the end of this usage period in order to receive the awarded points. The system creates an incentive for the Distributor to use the eWallet system and purchase products, and further creates an incentive for the Participant to remain a loyal distributor of the Direct Sales company in order to receive and redeem these award points at some point in the future. Each award point therefore serves a double function as a reward for buying products and also as an incentive for customer loyalty to the eWallet payment system.