Convenient Payments is a Mobile Wallet enabling users to settle purchases from store facilities and from virtual stores published in the Merchant Map section of the App. Users register their biographical data and credit or debit cards in a secure PCI compliant Vault". No financial data is stored in the application. Access to wallet is secured by code created by user. User can review transactions, check-out, use Loyalty and Reward Programs store and redeem coupons and order for delivery.