We are encouraging commerce by empowering merchants and consumers in our cooperative open network with non-expiring, universal cash-backed rewards called, “Secure Points™”.  They are called Secure Points™ because they have real quantitative and qualitative value.  Every Secure Point™ earned by a consumer from a merchant in our open, reciprocal cooperative “HELP Network™” is backed by cash held in a special omnibus trust SAFE Account in a Tier 1 bank.  Secure Points™ are spendable at all participating merchants and can be applied to discount or pay for products and services.  Secure Points™ are the ultimate merchant incentive to stimulate consumer spending and commerce in a community.  To summarize, consumer members can:

 

• Earn or be awarded Secure Points™

• Use Secure Points™ to purchase or pay down the price of goods and services through eCommerce portals and at participating brick-and-mortar POS merchants

• Use Secure Points™ to fund their digital wallets and spend their funds through their mobile app in the unattended retail space (e.g. vending machines, laundry, arcades, etc.), and as a safe, zero touch solution at POS merchants

• Send Secure Points™ to friends and family through peer-to-peer transfers

• (Phase Two) Convert accrued loyalty rewards from other “closed” loyalty programs (e.g. points, miles, coupons) into Secure Points™ for immediate spending power in the open HELP Network™