Credit Management / P. O. System / Gift Cards (GC)

This is a traditional guarantor-customer system in which large retailers distribute prepaid / gift cards.  The retailer only sells to accredited members (guarantor) who in turn distribute to individuals using traditional secure paper, scratch card or via mobile phone transfer.  It creates a multi-layer economy that is profitable and secure for the retailer and the guarantor alike.  It is a basic model of financial distribution to the unbanked.