Platform as a service (PAAS) featuring financial interchange computer software platforms for facilitating a full suite of mobile, digital loyalty and financial transactions and services through mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, electronic funds transfer, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; Platform as a service (PAAS) featuring financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Platform as a service (PAAS) featuring processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Providing processing of pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices