3. Through Noctress, you will protect the consumer Our job is to protect the Financial & Credit Companies Patent pending 3
4. Less roll out cost and greater diversity Feature Cost and Use Function benefit Retained earnings and better protection Patent pending 4
5. Real time verification where it is needed Feature Global verification capability Function benefit Protecting companies and individuals where they do business Patent pending 5
6. Positive identity verification Feature Non-intrusive verification Function benefit Giving the individual the privacy they desire Patent pending 6
7. Feature Create a Unique Data Record Positive Identification Individual Registration Function Benefit Patent pending 7 UNREGISTERED CUSTOMERS REGISTERED CUSTOMERS
8. Data requested Data input THE DATA COLLECTED IS NOT SUFFICIENT FOR FRAUDULENT USE Feature Individual Registration Process Non-invasive and non-damaging information collected One Time Registration with Minimal Data Collected Function Benefit Patent pending 8 John James Smith Full Legal Name March 2, 1977 Date of Birth xxx-xx-6589 Last 4 Digits of Social Security Number or government issued identification Scan of all ten fingers
10. Financial / Credit Company register with the Noctress Identity Verification System SYSTEM OVERVIEW Patent pending 10
11. Branch Offices are instructed on the Noctress System and placed on line SYSTEM OVERVIEW Patent pending 11
12. Branch Customers are registered into the Noctress System SYSTEM OVERVIEW Patent pending 12
13. Feature Stand Alone Identity Verification System Financial / Credit Company maintains the integrity of their corporate database, network and security Transparent Service Function Benefit 13 Patent pending
14. Feature Immediate Access to Data Records Same Day Fraudulent Protection Real Time Registration Function Benefit Patent pending 14 Identity Verification & History Report Identity Verification & History Report 12:00 P.M. New customer 12:05 P.M. Loan request 12:10 P.M. Loan request Registration Data becomes proprietary property of Noctress, Inc. registration Data link Report is sent as print job to the scanner’s default printer Hard copy placed in loan package
15. On-line banking Allows Consumers to maintain their banking practices Patent pending 15 Plug-In Application Verification Process Auto-Fill Editing Denied
16. ATM ATM banking Allows Consumers to maintain their banking practices Patent pending 16 IDENTIFICATION ISSUER I.D. SCAN APPROVE DECLINE DATA
17. CARD REGISTRATION Registration limited to card issuer identification number Patent pending 17 IDENTIFICATION NUMBER CARD ISSUER DATA STREAM
18. With each new Branch, existing registered Branches and clients are protected SYSTEM OVERVIEW Patent pending 18
20. As new Financial / Credit Companies register for the Noctress Identity Verification System SYSTEM OVERVIEW Patent pending 20
21. Existing clients from currently registered Financial / Credit Companies are immediately protected SYSTEM OVERVIEW Patent pending 21
22. Feature Consumer Identification Real time verification Consumer Friendly Process Function Benefit Patent pending 22 March 2, 1977 xxx-xx-6589 John James Smith Full Legal Name Date of Birth Last 4 Digits of Social Security Number or government issued identification Report is sent as print job to the scanner’s default printer Hard copy placed in loan package Single finger scan is the only requirement from the Consumer
23. Feature Identification Report Fraud Prevention Consumer Loan Office Verification History Function Benefit Patent pending 23 Identification Report Report includes date and time of verifications for loan applications only. Time period set by client Report is sent as print job to the scanner’s default printer Hard copy placed in loan package
24. Feature Individual Identification at Loan Offices & Teller Windows Fraud Prevention Identity Verification Function Benefit Patent pending 24
25. As Noctress rolls out to the Branch offices of multiple Financial / Credit Companies, the greater protection for the Financial / Credit Companies and their Clients SYSTEM OVERVIEW Patent pending 25
26. Feature Noctress Fortified is a service offered by the Financial / Credit Company Positive Marketing and Public Relations Campaign Product Branding Function Benefit Patent pending 26
27. Feature Global Identification Preservation of Individual’s Purchasing Power Comprehensive Database Function Benefit Patent pending 27
28.
29. Feature Scanning Fingers Dependable scans Reliable Scanner Function Benefit FBI Certified Environmentally Tested High traffic, outdoor applications & other rough environments Resist Exposure to -Sub-freezing, Arid and tropical climates -Electrostatic discharge -Impact, vibration and shock -Scratches to scanner plate including utility knife damage -Contaminates and corrosives including sweat, dirt, oil and cleaning solutions Patent pending 29 Corporate Branding USB connection MOHS Hardness 6.8 750 HK Compact size
30. FUTURE MARKETS Cash-In-Transit Children websites & chat rooms Age restricted purchases Airline / travel identification Medical & Pharmaceutical E-Commerce Adult content websites Retail, Hospitality & Service Industries Title Companies Government Applications Patent pending 30
31. The Team Criminal background checks have been performed on all team members Patent pending 31 Daniel lynton Vice-President Software Development Web Applications Web application & design Computer prodigy Nationally recognized by Heartbeat of America Scott camp Vice-President & General Counsel Corporate of Counsel / Partner in national and local firms Finance / BS // Law / JD / UT Austin Legal Affairs, Consumer Privacy Phillip armand Vice-President Security Security & Consumer Privacy Security Consultant / Private Investigation Criminal Justice / BS / Sam Houston State FBI Supervisor Special Agent (retired) Corporate Information Technology Computer Science / Seminole State College, Oklahoma Honorable Discharge / United States Navy Howard peace, jr. Co-Inventor / Executive Vice-President Product Development, R&D Kyle peace Vice-President Technology Corporate Information Technology Corporate Information Technology Computer Science / Central University Competitive Shallow Water Diver (retired) Pat di carlo, jr Vice-President Business Affairs Finance & New Business Registered Investment Advisor / Series 66 History / BA / University of the Redlands Law / JD / Western Law School Jim di carlo Co-Inventor / President Product Development / New Markets Commercial & Residential Design Consultant Business Administration / Cal Poly at Pomona Honorable Discharge / United States Marine Corp Awarded first patent in the 90’s Rick hawrylak Vice-President Manufacturing & Sales Manufacturing & Sales Electronic design / foreign manufacturing / sales Mechanical Engineer / BS / Texas A&M
33. Identity theft strategy With all the Companies joined through Noctress, the consumer’s identity is protected Patent pending 33
34. Sponsored by Missing Hearts Foundation was founded by the executives of Noctress, Inc. We felt that our service could greatly enhance the ability of parents and law enforcement to locate missing children. It should be noted that Noctress, Inc. does not receive any type of financial consideration from Missing Hearts for this service. The financial and credit industry could benefit by assisting Missing Hearts Foundation register children and adults into the database. Since the database is proprietary to Noctress and all clients have the benefit of use, no one entity exclusively benefits from the registration process. The only direct benefactor is the individual child and parent. Therefore all labor and equipment used by the financial and credit industry to register children and adults for Missing Hearts becomes a charitable event and may qualify for the Community Reinvestment Act. By aligning with a 501(c)(3) non-profit organization dedicated to locating missing children and protecting the individual from identity theft can assist in maintaining a positive public image for your company. Patent pending 34
