QRUZ enables consumers to use their preferred payment methods, such as Apple Pay, Samsung Pay, and PayPal, on any mobile handset. It is compatible with both new and old point of sale terminals and ATMs, eliminating the need for costly hardware upgrades. The system also allows for remote payments and ATM withdrawals, ensuring secure transactions without exposing personal or financial information. With granted patents in multiple countries, Mobile Equity Corp is well-positioned to provide a ubiquitous mobile payment solution for e-wallets, banks, processors, merchants, and technology companies.