I need a programmer/team that can develop a specific app for Android/Iphone/ and Blackberry. This will be an app that allows users to pay at stores using their cell phones. The app should allow users to create an account, setup bank accounts (using a merchant whose information and instructions on how to link to app will be provided), and generate a unique barcode for each specific person that can be scanned.
There should also be a backend website that all transactions go through and are recorded. When merchants scan the barcode, they will send a signal to the website to charge the user who scanned.