Software as a service (SAAS) services featuring software for enabling users, creators and brands to send messages via SMS and provide information about sales and recommendations on products to purchase; Software as a service (SAAS) services featuring software for providing, processing, verifying, facilitating and authenticating mobile payments, and contactless credit and debit card transaction, and bill payment transactions with retailers, merchants, and vendors; Software as a service (SAAS) services featuring software for digital and social media marketing; Software as a service (SAAS) services featuring software for analyzing and improving digital advertising, digital communications and content, and social media engagement; Providing on-line non-downloadable software for facilitating the marketing of the goods and/or services of others, with said software platform being used for SMS and text message marketing, data analysis, customization of communications, and integration with other applications and data sources; Providing on-line non-downloadable software for use in facilitating mobile marketing campaigns; Providing on-line non-downloadable software for use in electronically disseminating advertising for others via mobile devices