Software as a service (SAAS) services featuring software for virtualizing physical retail stores, integrating with retail mobile apps and in-store check-out process and creating an in-store shopping experience featuring enhanced payment processing with customer loyalty and rewards programs offerings, personalized sales offers, coupons, recommendations and ability to pay in physical store and ship to selected address; Software as a service (SAAS) services featuring software for tracking and analyzing consumer behavior and user profiles to provide personalized shopping experiences including personalized loyalty rewards, coupons, offers, recommendations, upgrades and promotions, and optimized payment options; Software as a service (SAAS) services featuring software for use in sales and customer tracking and management and inventory management for the retail industry; Software as a service (SAAS) services featuring software for order management and tracking, customer relationship management, analysis of customer preferences and buying patterns; Application service provider featuring application programming interface (API) software for developers to build software applications for use in the retail and e-commerce industry