software as a service (SAAS) featuring software that allows retailers to create mobile advertisements while maintaining control of data to ensure consumer privacy; platform as a service (PAAS) featuring a software platform that allows targeting of online and mobile advertising by tagging, analyzing, reporting, integrating, controlling, managing and sharing a wide variety of data and information from various sources; software as a service (SAAS) services featuring software for creating, deploying, customizing, personalizing and managing electronic images and electronic dynamic content in electronic communications, namely, personalized electronic communications, promotional advertisements and information, real-time online retail store shopping cart information, and a rules engine to determine content to be displayed within customized electronic communications for individual recipients;