Hardware and software for making, processing and authenticating payment transactions with credit cards, debit cards, gift cards, pre-paid cards, cash, and other payment forms; electronic devices, namely, card readers, computer chip readers, point of sale terminals, and related hardware and software, all for accepting, effecting, enabling, facilitating, processing, operating, authenticating and managing payment transactions via mobile devices, cash registers, and other point of sale systems, and local and global communications networks; computer e-commerce software to allow users to perform electronic business transactions via mobile devices, cash registers, and other point of sale systems, and local and global computer networks; magnetically encoded gift cards and pre-paid cards; computer software, namely, software application for use by consumers in the field of mobile payments; computer hardware and software for collecting, storing, analyzing, and providing data and information regarding electronic payment transactions; computer software for facilitating mobile payments, and enabling consumers to use their electronic signature, PIN, name or photo in completing mobile payment transactions; computer software for issuing receipts regarding mobile payment transactions; electronic and electrical apparatus, namely, receipt issuing, reading and recording machines; computer software for use in issuing invoices and collecting amounts due; computer software for creating, maintaining and updating online searchable databases of merchant information and regarding the products and services of others; computer software for accessing information directories that may be downloaded from the global computer network; computer software for facilitating and managing merchant-customer communications, and providing payment transaction information; computer software for providing an on-line database in the field of transaction processing to upload transactional data, provide statistical analysis, and produce notifications and reports; computer software that enables businesses to create web presences that reflect and summarize their customer demographic information, profile, purchasing history and preferences, payment history and methods, and other information reflective of their online and mobile transactions; computer software for business optimization, planning and administration; computer software for collecting, storing, analyzing and reporting business related data and information, namely, software for creating and reporting of business analytics relating to payment processing, authentication, and tracking; computer software to facilitate credit, loans and cash advances; computer software for facilitating and completing money transfers and loans via email, mobile devices and global and local computer networks; computer software for businesses, namely, software for use in enabling, operating, and managing customer relations and loyalty programs; computer software for distributing offers, rewards, coupons, deals, opportunities and advertisements to consumers via mobile devices and local and global computer networks, and for making recommendations to consumers regarding the products and services of others; computer software for distributing advertisements, offers, rewards, coupons, deals and discounts via email, local and global computer networks and via mobile devices; computer software for retail inventory management; downloadable geographic information system (GIS) software; computer software for determining and mapping the physical locations of consumers; computer search engine software