Downloadable mobile and computer application electronic game software for use by consumers on mobile phones, portable electronic devices, and wireless devices, namely, software that provides for promoting the goods and services of others by providing coupons, rebates, price-comparison information, product reviews, and discount information, transfers data through wireless communication devices, provides consumers the ability to locate, store, manage, retrieve, and redeem merchant coupons, offers, incentives and messages on wireless communication devices, provides for an electronic financial platform that integrates user identification, discounts and promotions and accommodates multiple types of payment, payment management and debt transactions, including use of coupons and other visualized payment codes at the point of sale, provides consumers the ability to spend, manage and earn virtual currency that can be redeemed at restaurants, businesses and other third party merchants for rewards