Antimicrobial Card Company Executive Summary

Antimicrobial Card Company (ACC) is a pioneer in the emerging field of antimicrobial identification and cash substitution instruments.



A simple solution for manufactures of Smartcards, Credit Cards, Identification Cards, Healthcare Cards, Employee Badges, Rewards Cards, Chips, and Tokens that will inhibit the growth and transmission of germs, viruses and dangerous pathogens that thrive on the surfaces of intensely circulated products. ACC’s plan is to license U.S. Patent No. 7,851,517, Antimicrobial Credit Cards, Identification Cards, Membership Cards and Identification Badges and Badge Holders. The manufacturing of our devices will be by ACC authorized licensees.


PROBLEM 
Viruses, flu and pathogens tend to spread from person to person when germs become airborne via coughing and sneezing. When you touch a surface that contains those germs and then touch your eyes, nose or mouth, those microbes can make you sick. Employee identification badges, visitor badges, credit cards, hotel keys, membership rewards cards, plastic tokens or poker chips can accumulate germs just as fast as cash.

According to Llelwyn Grant of the Centers for Disease Control, "Any surface could contribute to the passing of the virus, which typically will live up to six to eight hours after contact has been made."

Some of the hardiest germs can successfully reproduce on plastic surfaces for weeks. Studies done in 2000 and 2001 showed that a few antibiotic-resistant germs could survive on plastic surfaces for three full months.

Keep in mind that germs live longest in wet environments. A droplet from a sneeze that lands on your card could contain thousands of germs which could be transferred to other adjacent cards when you slide it back into your wallet, potentially contaminating cards you haven't even touched. "The issue is moisture, that's how germs transfer from one surface to another. The water-retaining properties of mucus can help a germ survive hours or even days, longer than it would without it. People who keep wallets in their pockets may also be fostering germs' growth, since the warmth provides an ideal bacterial breeding ground." says Alesia Wagner, an osteopathic physician regional medical director for U.S. HealthWorks in Southern California. (U.S. HealthWorks Medical Group was founded in 1995 and is the second-largest occupational health care provider in the nation.)

Multiple encounters with a card increase the chances of a consumer contracting an illness. As the consumer cannot control behaviors of those they or their cards may interact with, and typically no control over the surfaces that the germ lands on.

A Canadian study to assess microbial contamination of identification badges at a medical center was conducted in 2007. The researchers concluded that badges harbor disease-causing organisms like S. aureus (Staph), E. coli, and Pseudomonas aeruginosa (Pneumonia). Badges worn around the neck had similar contamination rates when compared with those clipped to clothing. Badges worn without a plastic cover had similar contamination rates to those worn with a cover. Badges that had been cleaned in the preceding week were contaminated. The recommendation of the researchers was to ask all employees to clean their badges frequently throughout their shifts with alcohol swabs.

Studies also showed that 68% of the American population do not wash their hands long enough to remove germs, and 36% rarely washes after coughing or sneezing. Thus we unknowingly transfer illness to others around us, the people we interact with daily, like co-workers and loved ones.

The transmission of viruses and dangerous pathogens is really in our own hands. The importance of properly washing our hands as the best method to avoid food poisoning, colds, influenza and respiratory diseases cannot be overstated. Frequent cleaning of the card, two or three times a day, along with the carrying case the card is carried in, and all surfaces the card touches. These areas should be cleaned with alcohol swabs several times throughout the day.

In our busy lives, there are times where we simply cannot wash our hands after we encounter viruses or the surfaces they land upon. Cleaning the card and the surfaces it touches with alcohol may not be something we remember to do, or can do without offending others.

ECONOMIC IMPACT
Common Cold: In the United States, the common cold leads to 75 to 100 million physician visits annually at a conservative cost estimate of $7.7 billion per year. Americans spend $2.9 billion on over-the-counter drugs and another $400 million on prescription medicines for symptomatic relief.

More than one-third of patients who saw a doctor received an antibiotic prescription, which has implications for antibiotic resistance from overuse of such drugs.

An estimated 22 to 189 million school days are missed annually due to a cold. As a result, parents missed 126 million workdays to stay home to care for their children. When added to the 150 million workdays missed by employees suffering from a cold, the total economic impact of cold-related work loss exceeds $20 billion per year. This accounts for 40% of time lost from work.

Influenza: Influenza caused Americans to miss 100 million workdays and $6.8 billion in wages last year. The illness also cost companies $10 billion in lost productivity related to employer-paid sick days. According to the Centers for Disease Control and Prevention, 13% of the U.S. population gets the flu every year, with active flu seasons affecting more than 62 million Americans.

The survey also found that influenza led to 32 million missed school days last year. Between missed workdays, child care costs, doctor visits and other related costs, the flu cost nearly one-third of respondents between $251 and $1,000 last year.


Hospital Acquired Infections: An estimated 1.7 million Americans acquire Hospital Acquired Infections (HAI) each year. They are known by such names as MRSA, C.Diff, VRE, CRKP. The patient is admitted to the hospital injured, debilitated or sick, their immune systems compromised, making them easily susceptible to a colonized infection. Others in the hospital, some sick and others healthy, introduce the pathogen by touching the patient. HAI are invisible, and can survive on surfaces for up to three days. That means that they can be transferred when one infected person simply touches another, or when the patient touches something on which the pathogen resides like a stethoscope, a TV remote, a computer mouse, or employee badge. Of those infected at least 99,000 of them die from those infections.

SOLUTION/PRODUCT
Antimicrobial master batches are available for just about any type of extruded plastic. The antimicrobial master batch is added to the plastic in the molding process. Antimicrobial plastic compounds are directly incorporated into the thermoplastic materials during the time of molding, it makes it impossible for allergens, bacteria, molds, and mildew to survive on the surface, yet these compounds have no known effect on humans. Antimicrobial properties are embodied within the plastic itself rather than just topically applied to the card, chip or token, so that the antimicrobial benefits cannot be washed away and will last the life of the card.

Antimicrobials can protect the card, chip or token from odor development, staining, discoloration, and microbial transfer by cross contamination. Eliminating microbial transfer is an attractive property for the products, which are handled by many people and rarely cleaned.

Public awareness about contamination and infections prompts significant demand for antimicrobial plastic products in other markets such as healthcare and consumer products. Antimicrobial / Antibacterial plastics used in manufacturing of products represent a small albeit high-revenue segment of the plastics additives sector, and are projected to account for about 20% of the global plastics market in the near term. India, China along with US and Europe represents the largest worldwide markets for plastic additives, with a forecast to reach 221,758 metric tons of antimicrobial plastic by the year 2017.

CUSTOMERS
Antimicrobial Card Licensee target customers include card, token, chip and badge holder manufactures.

MARKET POTENTIAL Example - Cards
Credit Cards: 609.8 million credit cards held by U.S. consumers, as of 2008. The average number of credit cards held by cardholders: 3.5. Cards issued through year-end 2010 by the following financial institutions:

  • American Express credit: 48.9 million (Source: American Express) 
  • MasterCard credit: 171 million (Source: MasterCard) 
  • MasterCard debit: 123 million (Source: MasterCard) 
  • Visa credit: 269 million, as of Sept. 30, 2010 (Source: Visa) 
  • Visa debit: 397 million, as of Sept. 30, 2010 (Source: Visa) 
Smartcards: Although current growth remains moderated by the recent world economic recession, the world smart card market is nevertheless forecast to recover; Poised in the short-to-medium term period to reach US$26.3 billion by the year 2015. Growth during this period will be driven by post recession resurgence in planned infrastructure and security projects, the ongoing efforts to replace traditional magnetic-stripe cards in banking/financial institutions with latest chip-and-pin payment technology, increase in adoption of contactless smart cards, and the ever increasing need for greater security, processing and storage capacities. the main vertical applications for smart cards: enterprise and access ID, government and healthcare citizen ID, payment and banking, pay TV/conditional access, retail and loyalty, SIM, telecom/payphone, transportation, and "other" applications.
Other types of secure Identification cards: e-health insurance cards: In September 2007, for example, One company delivered its 100 millionth e-healthcare card. The same company also delivered e-healthcare cards in Algeria, Belgium, China, Finland, France, Germany Mexico, Puerto Rico, Slovenia, the United Kingdom, and the United States, e-driver’s licenses, e-passports, e-ID Citizen Cards, e-Government ID. As of December of 2009, this manufacture had provided 25 million Common Access Cards to the U.S. Department of Defense for employee and contractor use.

COMPETITION
There are existing companies that manufacture nanosilver card coatings. The coating wears away long before the end-life of the product. Recently leading microbiologists warned the U.S. Environmental Protection Agency that the rapid rise in household nanosilver antibacterial products could put public health at risk. Earlier this year, the California’s Department of Toxic Substances Control (DTSC) asked in-state nanotechnology companies and researchers to share how they are keeping tabs on several nano-sized metals. A legal petition with EPA demanded the agency use its pesticide regulation authority to stop the sale of 250+ consumer products now using nanosilver. EPA agreed that the petition “raises serious issues that potentially affect private and public sector stakeholders.” Antibiotic infused master batch plastics have not received the same pushback by regulatory agencies and consumer groups as have nanosilver coatings.

GO TO MARKET STRATEGY
ACC’s goal is to establish antimicrobial cards, chips and tokens as the industry standard for cards and cash substitution instruments. Through independent marketing representatives we plan to market licenses to existing manufactures. ACC intends on educating decision makers in key sectors to influence criteria for the cards, chips and tokens that they purchase. Lastly to build upon public awareness and increase consumer market demand for alternatives that will protect consumers and their loved ones from one more source of exposure to germs.

 
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