A method and system for mobile commerce, communication, and transaction processing to real-world point of sale (POS), web, e-commerce, virtual terminal, mobile personal digital assistant, mobile phone, mobile device, or other computer based transactions involving either one or both financial and non-financial such as loyalty based transactions as a mobile payment system is described. A consumer mobile software application (CMA) may be utilized in accordance with the method and system to provide a visual representation of merchants that abstractly represents the relevance of the merchants to a consumer.