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Computer application software for mobile phones, handheld computers, computer tablets and portable media players, namely, software for providing consumers with GPS located offers, seamless digital coupon redemption, friend to friend money movement with text and pictures, providing for aggregation of money to pay bills online, point-of-sale PIN based in-store transactions, online PIN based transactions, customized groups of merchants and friends, and the ability to use money from a consumer's checking, credit, or debit card in a very secure environment, for allowing merchants to have direct access to a customer database for the pushing of offers and marketing campaigns to customers and potential customers