DoubleBeam, Inc., provides mobile solutions to help retailers improve their customer experience and save money on their cost of payments in a way that maintains their brand and relationship with their customers. By integrating with retailers' existing mobile applications and POS systems, we close the loop between retailers offers and promotions, customer purchasing behavior and preferences, and the most personalized, real-time communication method ever: the smartphone in their customers' hands. In addition to improving marketing ROI, we save retailers money on payments by offering mobile-based eChecking as an option, which is dramatically cheaper than traditional credit and debit cards.