Cimbal is an entirely software driven mobile payment and authenticated promotion product. Cimbal can be used in-stores, online and person-to-person in the same, simple user experience. Its free to consumers. Merchants get a low cost means for electronic payment acceptance without the hassle of card applications or monthly costs and Cimbal provides a virtual loyalty and stored value program which merchants can easily set up in 2 minutes for increased customer engagement. See our demo video at http://www.cimbal.com or download and try the product live at http://www.cimbal.com/product.html.