About Us

     Ginicoe’s associates are our competitive advantage. We care for our associates and want them to enjoy what they’re doing. To reach one of our associates click our memberservices link. Be sure to let us know what services you are in search of.

     Ginicoe (pronounced Jaa Nee Koe) is borrowed from the root meaning Gini Coefficient. This is the term that measures the statistical dispersion intended to represent the income distribution of a nation's residents and is the most commonly used measure of income inequality typically seen in the Gini index.

WE MEASURE RISK DIFFERENTLY THAN BANKS & FICO

      The coefficient varies between 0, which reflects complete equality, and 1, which indicates complete inequality (where one person has all the income or consumption, and all others have none).  We invert our prices for our products accordingly because we believe the TRUE risk is not grounded in access to capital with high fico scores for big stores and wealthy consumers but in income equality for the middle-class and poor working men and women with low fico scores often associated with SEGREGATED HOUSING with low appraised values and clustered living that keep the rich richer and the poor poorer.

     So to be clear, transparent, and unambiguous, all consumer prices are tied to their Social Justice Score (SJS). All merchant revenue from Ginicoe is tied to the consumer’s SJS. These are not hidden fees. Consumer’s SJS has 4 components.

(1) Housing Profile [55%]  -if you live in a segregated housing community, you will pay a higher rate. Conversely, if you live in an integrated housing community, you will enjoy our lowest rate.

(2) Positive Conversations between P52s and Whites [35%] – if you yell, scream, and holla race-based hate, then you will pay a higher rate. Conversely, if you listen well, and demonstrate tenderness, kindness, generosity, and are receptive to the other race will you enjoy our lowest rate.

(3) Your Occupation [5%] – if you have a prestigious occupation, you will pay more. Conversely, if your occupation is often disregarded and forgotten, you will enjoy our lowest rate. You know who you are.

(4) Your income [5%] – if you earn $250k or more annually, you will pay more. Conversely, if you earn less than $250k annually, you will enjoy our lower rate.

      This is therefore how we at Ginicoe measure risk and thus price our products accordingly. This is another way we are uniquely better. After all, our political systems have failed miserably on the issue of rising inequality and social mobility.  Common sense tells us that income inequality retards growth. After all, if we are in a Global economy seen for example as a NASCAR race, there is absolutely no way we can win the race if only 4-cyclinders are allowed to run where the world is running on all 8-cyclinders. Here the cylinders represent you, the consumer. All our citizens must be included for U.S. to win the race!

     The solutions must be in empowering ALL consumers and merchants. This holds particularly true since 70% of the United States economy is consumer driven based on consumption. Emphasis is placed on the South Eastern and Industrial Midwest of the United States where social mobility is at its lowest. We are only as strong as our weakest link. These systemic and institutional barriers to the middle-class and upper class strata must be addressed at every instance available and in every institution and system throughout our lives.

     You may elect to read more about income equality on your own and perhaps start with John Cassidy’s publication citing American Inequality in Six Charts in the New Yorker Magazine here:  http://www.newyorker.com/rational-irrationality/american-inequality-in-six-charts

What We Do

We provide a suite of biometric facial recognition software solution to prevent id theft and fraud at the point-of-sale (POS) and point-of-interaction (POI) everywhere all the time.

We prevent  Identity theft  fraud

We protect our customers against

·    Data breaches                               Account takeover (ato) fraud  

·    Hacks                                             Mishandlings of data

·    Data loses                                     3^rd party data breaches

·    Synthetic id fraud                          Large threat surface attacks

·    New application fraud                    Unauthorized access

·    Scams                                              Money laundering

·    …and more

Who We Protect

We protect all

                Consumers                         Special Purpose Charter Fintech & Regtech

                Merchants                            Health Care Facilities

                Retailers                              Doctor’s Offices

                Card Acceptance Points      Physician Locations

                Banks                                  ehealth Records

                Financial Institutions            Patient Records

                Insurance Companies         Utilities

                Thrifts                                  Government Agencies At The City, State,                                                             and Federal Levels

All your data remains confidential. Whereas AI data is often sold to PR firms and political operations research firms; Ginicoe will never sell or share your data without a Court order. See our privacy statement to learn more about How We Protect Your Data.

How it works

All members are bound together. For example: consumers to retailers. Retailers are bound to banks and so on. This concept of being my brother’s keeper helps reduce income inequality by bringing us all closer together.

Sharing of resources, responsibility, and power is what leveling the playing field is all about.

With that - once a consumer uses their

                Credit Card                               Gift Card

                Debit Card                                Prepaid Card

                Department Store Card            Hotel Card

                Oil Card                                    Entertainment Card

                Gas Card                                  Travel

                Or Any Other Similar Card(S)

at any

§ Card Acceptance Point                        § Mobile Phone Shopping

§ Retailer                                                Point-Of-Interaction (POI)

§ Merchant Location                               § Desktop

§ Point Of Sale Terminal (POS)              § Real – Time Transaction

§ 

that allows

v     Swipes                                v     Ipad

v     Chip-N-Pin                          v     Tablet

v     Card Insertion                     v     Apple Pay

v     EMV                                    v     Android Pay

v     Tap-N-Go                            v     Wal-Mart Pay

v     RFID                                   v     Keyed Input

v     Mobile Phone                     v     VAN’s

we then go to work for you…

Ginicoe will electronically transmit your pre-authenticated facial image or approval to any approved retailer’s store or online mobile shopping to uniquely protect your GOOD NAME and CREDIT HISTORY against prevaricators, imposters, miscreants, and bad people.

Our products are a PREVENTIVE layer of financial and physical security that bring you

ü     A backstop                           ü     Firmness

ü     A bumper                             ü     Help

ü     A correction                         ü     Keep you out of danger

ü     A cure                                  ü     Protection

ü     A prescription                      ü     Relief

ü     A recipe                               ü Safety          

ü     A remedy                             ü     Security

ü     Aid                                       ü     Solace

ü     Assistance                          ü     Steadiness

ü     Certainty                             ü     Treatment

Our products can work with the reactionary layers sold by Life Lock™, Experian Dark Web Triple Scan™, Id theft Insurance, ID Guard™, Virtual account numbers (VAN), credit freezes, credit monitoring, EMV, fraudulent charge alerts, and SMS notifications.

These and similar products kick-in after you become a victim and feel…

                Aching                                   Grieved                                      Setback

                Acute pain                             Heart stricken                            Sharp pain

                Afflicted                                 Hurt                                            Sharp blow

                Aggrieved                             Injured                                        Suffrage

                At Risk                        Lacerated                                   Tormented            

                Bitten                                    Miserable                                    Uncertainty

                Distressed                            Pierced                                       Violated

                Gnawing                               Plagued                                      Wounded