PHINANCES

Computer software for use in secure mobile payment transactions with retailers, vendors and merchants; Computer software for providing incentive awards programs by issuance, processing, and redemption of loyalty points for purchase of goods and services from companies; Computer software platforms for processing mobile payments and for the storage, transmission, verification, authentication of credit and debit card and other payment and transaction information; 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