JVL Ventures, dba Softcard, formerly Isis Mobile Wallet, the joint venture created by AT&T Mobility, T-Mobile USA and Verizon Wireless, has developed an open and comprehensive mobile commerce platform. By utilizing near field communication (NFC) technology, the Softcard eliminates the need to carry cash, credit and debit cards, reward cards, coupons, tickets and transit passes. Softcard will fundamentally change the way consumers shop, pay and save by offering an enhanced, more convenient and more personal experience - all with the tap of a phone.