Abstract: The invention is a system for facilitating credit card transactions. The system operates in a setting that includes a merchant platform, a System platform and a subscriber mobile device. The merchant platform is in electronic data communications with the System platform and the subscriber mobile device is in electronic data communication with the System platform. The merchant platform receives transaction information though voice communications from a subscriber and a portion of the transaction information is sent electronically to the System platform. The System platform electronically communicates a subset of the portion to the mobile communications device, and the mobile communications device sending data related to account information to the System platform. The System platform electronically transmitting this account information to a Processor for payment authorization.

Abstract: The invention is a method of deferring taxes on real estate property by exchanging investment real estate property under IRS 1031 exchange rules for a real estate property that is subject to condemnation. The property subject to condemnation is then sold, and the owner claims the benefit if a 1033 exchange, and may replace the property within the allowed 1033 replacement period.

Abstract: A system for facilitating a commercial transaction by a consumer includes a card or electronic storage device which includes a first number for identifying a financial account of the consumer and a second number, related to the first number, for use in authorizing a transaction involving the financial account of the consumer.

Abstract: An electronic identification system comprising a system server and a plurality of mobile devices, the system server and the mobile devices being electronically connectable, where the system server contains references to a plurality of subscribers to the system. The system server receives an electronic request message from a remote location to verify an identity, where the request message contains a reference to the requesting remote location and a reference to an identity to be verified. The system server identified the received referenced identity with one of the plurality of mobile devices (the identified mobile platform), and the system server transmits a confirmation message to the identified mobile device, where the confirmation message contains a reference to the requesting remote location and the identity to be verified.

Abstract: The invention is a system for facilitating credit card transactions. The system operates in a setting that includes a merchant platform, a System platform and a subscriber mobile device. The merchant platform is in electronic data communications with the System platform and the subscriber mobile device is in electronic data communication with the System platform. The merchant platform receives transaction information though voice communications from a subscriber and a portion of the transaction information is sent electronically to the System platform. The System platform electronically communicates a subset of the portion to the mobile communications device, and the mobile communications device sending data related to account information to the System platform. The System platform electronically transmitting this account information to a Processor for payment authorization.

Abstract: A system and method for facilitating commercial transactions between a consumer and a supplier of goods at a point of sale and authorized by a credit holder. The credit holder possesses a communications device for prestoring transaction information in a data base. The communications device is operable by the credit holder for transmitting transaction information data and transaction authorization. The consumer possesses a consumer communications device for establishing a communications link between the consumer and the supplier. The consumer communications device generates a consumer request to the credit holders' communications device. A transaction approval device is in communications with the supplier and the consumer requested credit holder's communications device for receiving transaction requests from the supplier and for receiving transaction information data and authorization from the credit holder's communications device.