This product leverages the current CPDI prepaid platform and business partnerships to exploit a business opportunity in the market for remote and convenient micro-payments and e-commerce.

This product will bring efficiencies to the market that will enable customers to purchase good and services conveniently and securely.

The CPDI product is a prepaid, host (server) based stored value product that will provide customers the opportunity to make micro payments, purchase goods and services and to transfer value between accounts. It will provide the opportunity to gain new incremental revenue streams and volume in consumer, corporate and government segments, beyond voice. In the consumer segment, the product will enable customers to:

1. Remotely and securely purchase goods and services over the Telecommunication networks.

2. Transact without the need for cash.

Commercial and corporate clients, in addition to using the product as a cash substitute for the selling of goods and services, can use the product as an innovative channel for paying employees.

The product combines the CPDI's account processing technology and the Telco's wide area network. This can be sold to all retailers so that it will in time be the premium payment mechanism.