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There are over 2,000 mobile loyalty and payment apps out there. Also, 90% of apps downloaded are eventually deleted. It is basically impossible for a restaurant chain or a retailer to establish a relationship with their customers with today's solutions. Virtual Next solves this pain by enabling restaurant chains and retailers to offer app-free mobile loyalty and payment solutions to their customers. We provide a branded solution that enables merchants to offer mobile loyalty, payment, gift card, and promotions solutions to their customers using iPhone PassBook and Google Wallet. Virtual Next has raised over $200,000 so far and has obtained clients representing over 200 locations.