PAYING IT FORWARD

Computer application software for mobile phones, namely, software for use in electronic storage of data, customer loyalty; Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Downloadable mobile applications for Customer Loyalty, namely, software for use in processing direct payments to merchant via ACH or Automated Clearing House; Electronic and magnetic ID cards for use in connection with payment for services; Electronic payment terminal