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<!-- Based on XBRL 2.1 -->

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<us-gaap:BusinessDescriptionAndBasisOfPresentationTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;1.&lt;/b&gt;&amp;#160;&amp;#160;&lt;b&gt;BUSINESS:&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 2.65pt 0px 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;FlexShopper Inc.(the &amp;#8220;Company&amp;#8221;) is a corporation organized under the laws of the State of Delaware on August 16, 2006. The Company owns 100% of FlexShopper, LLC, a limited liability company incorporated under the laws of North Carolina on June 24, 2013. Since the sale of the assets of Anchor Funding Services LLC (&amp;#8220;Anchor&amp;#8221;), which sale was completed in a series of transactions between April and June 2014, the Company is a holding corporation with no operations except for those conducted by FlexShopper. FlexShopper provides through e-commerce sites, certain types of durable goods to consumers on a lease-to-own basis (&amp;#8220;LTO&amp;#8221;) including consumers of third party retailers and e-tailers.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 2.65pt 0px 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 2.65pt 0px 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In January 2015, in connection with the credit agreement entered into in March 2015, (See Note 13) FlexShopper 1 LLC and FlexShopper 2 LLC were organized as wholly owned Delaware subsidiaries of FlexShopper to conduct operations.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;During 2013, the Company decided to concentrate its efforts on the operations of FlexShopper and subsequently, an agreement was entered into with a financial institution to sell substantially all of the operating assets of Anchor which provided accounts receivable funding to businesses located throughout the United States. The sale was finalized in June 2014 (Note 3). The consolidated statements of operations and cash flows for the years ended December 31, 2014 and 2013 reflect the historical operations of Anchor as discontinued operations. The consolidated balance sheets as of December 31, 2014 and 2013 reflects amounts attributable to Anchor as assets and liabilities of discontinued operations. We have generally presented the notes to our consolidated financial statements on the basis of continuing operations.&lt;/p&gt;</us-gaap:BusinessDescriptionAndBasisOfPresentationTextBlock>
<us-gaap:SignificantAccountingPoliciesTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/15.33px 'times new roman', times, serif; margin: 0px 0px 0px 0.5in; text-align: justify; color: #000000; text-transform: none; text-indent: -0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;2.&lt;/b&gt;&amp;#160;&lt;b&gt;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Principles of Consolidation -&amp;#160;&lt;/b&gt;The accompanying consolidated financial statements include the accounts of the Company. and its wholly owned subsidiaries after elimination of intercompany balances and transactions.&lt;/p&gt;&lt;p style="font: 10pt/15.33px 'times new roman', times, serif; margin: 0px 0px 0px 0.5in; text-align: justify; color: #000000; text-transform: none; text-indent: -0.1in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Estimates &amp;#8211;&lt;/b&gt;&amp;#160;The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Revenue Recognition&lt;/b&gt;&amp;#160;- Merchandise is leased to customers pursuant to lease purchase agreements which provide for weekly and bi-weekly lease terms with non-refundable lease payments. Generally the customer has the right to acquire title either through a 90 day same as cash option or through payments of all required lease payments generally 52 weeks, for ownership. Customers have the option to cancel the agreement in accordance with lease terms and return the merchandise. Accordingly, customer agreements are accounted for as operating leases with l&lt;font style="letter-spacing: -0.35pt;"&gt;e&lt;/font&gt;ase&lt;font style="letter-spacing: 1.9pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="letter-spacing: -0.65pt;"&gt;r&lt;/font&gt;ev&lt;font style="letter-spacing: -0.4pt;"&gt;e&lt;/font&gt;n&lt;font style="letter-spacing: 0.35pt;"&gt;u&lt;/font&gt;es r&lt;font style="letter-spacing: -0.7pt;"&gt;e&lt;/font&gt;co&lt;font style="letter-spacing: 0.1pt;"&gt;g&lt;/font&gt;n&lt;font style="letter-spacing: -0.4pt;"&gt;i&lt;/font&gt;z&lt;font style="letter-spacing: -0.35pt;"&gt;e&lt;/font&gt;d in&lt;font style="letter-spacing: 1.1pt;"&gt;&amp;#160;&lt;/font&gt;the&lt;font style="letter-spacing: 1.6pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="letter-spacing: -0.05pt;"&gt;m&lt;/font&gt;&lt;font style="letter-spacing: 0.3pt;"&gt;o&lt;/font&gt;nth they are d&lt;font style="letter-spacing: -0.35pt;"&gt;u&lt;/font&gt;e&lt;font style="letter-spacing: 2.05pt;"&gt;&amp;#160;&lt;/font&gt;on&lt;font style="letter-spacing: 1.85pt;"&gt;&amp;#160;&lt;/font&gt;the ac&lt;font style="letter-spacing: -0.05pt;"&gt;c&lt;/font&gt;rual basis of ac&lt;font style="letter-spacing: -0.4pt;"&gt;c&lt;/font&gt;&lt;font style="letter-spacing: -0.05pt;"&gt;o&lt;/font&gt;unting. Merchandise sales revenue is recognized when the customer exercises the purchase option and pays the purchase price. Revenue from processing fees earned upon exercise by the customer of the 90 day purchase option is recorded upon recognition of the related merchandise sales. These fees amounted to approximately $38,000 for the year ended December 31, 2014. Revenue for lease pay&lt;font style="letter-spacing: 0.3pt;"&gt;m&lt;/font&gt;ents re&lt;font style="letter-spacing: -0.4pt;"&gt;c&lt;/font&gt;eiv&lt;font style="letter-spacing: -0.35pt;"&gt;e&lt;/font&gt;d prior&amp;#160;&lt;font style="letter-spacing: -0.3pt;"&gt;t&lt;/font&gt;o their due date is deferred and recognized as revenue in the period to which the payments relate. Revenues from leases and sales are reported net of sales taxes.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 0px 10pt; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Accounts Receivable and Allowance for Doubtful Accounts &amp;#8211;&amp;#160;&lt;/b&gt;FlexShopper seeks to collect amounts owed under its leases from each customer on a weekly basis by charging their bank account or credit card. Accounts receivable are principally comprised of lease payments currently owed to FlexShopper which are past due as FlexShopper has been unable to successfully collect in the manner described above. An allowance for doubtful accounts is estimated by providing an allowance for all accounts in excess of four payments in arrears, adjusted for subsequent collections. FlexShopper is developing historical data to assess the estimate of the allowance in the future. The accounts receivable balances consisted of the following as of December 31, 2014 and 2013.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none;
 font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2013&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 1183.81px; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Accounts receivable&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;1,509,736&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;119&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Allowance for doubtful accounts&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;1,380,902&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;Accounts receivable, net&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;128,834&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;119&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/15.33px 'times new roman', times, serif; margin: 0px 0px 10pt; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 0px 10pt; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The allowance is a significant percentage of the balance because FlexShopper has not charged off any customer accounts since inception to assure that it has exhausted all collection efforts with respect to each account including attempts to repossess items. In addition, the same delinquent customers will continue to accrue weekly charges until they are charged off or FlexShopper has exhausted collection efforts. FlexShopper will charge off accounts upon determining that collection is not probable.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Lease Merchandise &amp;#8211;&amp;#160;&lt;/b&gt;Until all payment obligations for ownership are satisfied under the lease agreement, the Company maintains ownership of the lease merchandise.&lt;b&gt;&amp;#160;&lt;/b&gt;Lease merchandise consists primarily of residential furniture, consumer electronics, computers, appliances and household accessories and is recorded at cost net of accumulated depreciation. The Company depreciates leased merchandise using the straight line method over the applicable agreement period for a consumer to acquire ownership, generally twelve months with no salvage value. For lease merchandise returned or anticipated to be returned either voluntarily or through repossession, the Company provides an impairment reserve for the undepreciated balance of the merchandise with a corresponding charge to cost of lease revenue. The impairment charge amounted to $527,000 for the year ended December 31, 2014. The Company is developing historical charge off information to assess recoverability and estimate of the impairment reserve. The net leased merchandise balances consisted of the following as of December 31, 2014 and 2013:&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2013&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr
 style="vertical-align: bottom;"&gt;&lt;td style="padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 1183.81px; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Lease merchandise at cost&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;6,929,509&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;8,128&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Accumulated depreciation&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;2,160,591&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;124&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Impairment reserve&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;527,000&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;Lease merchandise, net&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;4,241,918&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;8,004&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Cost of lease merchandise sold represents the undepreciated cost of rental merchandise at the time of sale.&lt;b&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Intangible Assets&amp;#160;&lt;/b&gt;&amp;#8211; Intangible assets consist of a pending&lt;b&gt;&amp;#160;&lt;/b&gt;patent on the Company&amp;#8217;s LTO payment method at check-out for third party e-commerce sites. Patents are stated at cost less accumulated amortization. Patent costs are amortized by using the straight line method over the legal life, or if shorter, the useful life of the patent which has been estimated to be 10 years. The net patent cost balances consisted of the following as of December 31, 2014 and 2013:&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2013&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 1183.81px; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Patent costs&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;30,760&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;30,760&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;
 background-color: white;"&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Accumulated amortization&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;4,268&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;Patent costs, net&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;26,492&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;30,760&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Software Costs -&amp;#160;&lt;/b&gt;Costs related to developing or obtaining internal-use software incurred during the preliminary project and post-implementation stages of an internal use software project are expensed as incurred and certain costs incurred in the project&amp;#8217;s application development stage are capitalized as property and equipment.&amp;#160;&amp;#160;The Company expenses costs related to the planning and operating stages of a website. Direct costs incurred in the website&amp;#8217;s development stage are capitalized as property and equipment. Costs associated with minor enhancements and maintenance for the website are included in expenses as incurred. (Note 4)&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Operating Expenses &amp;#8211;&amp;#160;&lt;/b&gt;Operating expenses include all corporate overhead expenses such as salaries, payroll taxes and benefits, stock based compensation, occupancy, advertising and other administrative expenses.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Advertising Costs &amp;#8211;&lt;/b&gt;&amp;#160;The Company charges advertising costs to expense as incurred. Total advertising costs were approximately $885,000 for the year ended December 31, 2014. Prior year advertising costs are included in discontinued operations.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Per Share Data &amp;#8211;&amp;#160;&lt;/b&gt;Per share data is computed by use of the two-class method as a result of outstanding convertible preferred stock which participates in dividends with the common stock and accordingly has participation rights in undistributed earnings as if all such earnings had been distributed during the period (see Note 6). Under such method where the Company has undistributed net income, basic earnings per common share is computed based on the total of any dividends paid per common share plus undistributed income per common share determined by dividing net income reduced by any dividends paid on common and preferred stock by the total of the weighted average number of common shares outstanding plus the weighted average number of common shares issuable upon conversion of outstanding preferred stock during the period. Where the Company has a net loss, basic per share data (including income from continuing operations) is computed based solely on the weighted average number of common shares outstanding during the period. As the convertible preferred stock has no contractual obligation to share in the losses of the Company, common shares issuable upon conversion of the preferred stock are not included in such computations.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch:
 normal; -webkit-text-stroke-width: 0px;"&gt;Diluted earnings per share is based on the more dilutive of the if-converted method (which assumes conversion of the preferred stock as of the beginning of the period) or the two-class method (which assumes that the preferred stock is not converted) plus the potential impact of dilutive options and warrants. The dilutive effect of stock options and warrants is computed using the treasury stock method, which assumes the repurchase of common shares at the average market price during the period. Under the treasury stock method, options and warrants will have a dilutive effect when the average price of common stock during the period exceeds the exercise price of options or warrants.&amp;#160;&amp;#160;When there is a loss from continuing operations, potential common shares are not included in the computation of diluted loss per share, since they have an anti-dilutive effect.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/15.33px 'times new roman', times, serif; margin: 0px 0px 10pt; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In computing diluted loss per share, no effect has been given to the issuance of common stock upon conversion or exercise of the following securities as their effect is anti-dilutive:&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="7"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="7"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;Twelve months ended&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="7"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="7"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;December 31,&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;2013&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 807.81px; line-height: 15.33px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Convertible preferred stock&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 16px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 142px; text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 142px; text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 141px; text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;1,984,870&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 15px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 141px; text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;1,919,573&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 15px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 15.33px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Options&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;3,755,000&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;2,923,205&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="line-height: 15.33px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Warrants&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td
 style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;5,115,531&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;3,342,504&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px; border-bottom-color: black; border-bottom-width: 4.5pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 4.5pt; border-bottom-style: double;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;10,855,378&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px; border-bottom-color: black; border-bottom-width: 4.5pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 4.5pt; border-bottom-style: double;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;8,185,282&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Stock Based Compensation -&lt;/b&gt;&amp;#160;The fair value of transactions in which the Company exchanges its equity instruments for employee services (share-based payment transactions) is recognized as an expense in the financial statements as services are performed.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Compensation expense is determined by reference to the fair value of an award on the date of grant and is amortized on a straight-line basis over the vesting period. We have elected to use the Black-Scholes-Merton (BSM) pricing model to determine the fair value of all stock option awards. See Note 7.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Income Taxes&lt;/b&gt;&amp;#160;&amp;#8211; Deferred tax assets and liabilities are determined based on the estimated future tax effects of net operating loss carryforwards and temporary differences between the tax bases of assets and liabilities and their respective financial reporting amounts measured at the current enacted tax rates. The Company records a valuation allowance for its deferred tax assets when management concludes that it is not more likely than not that such assets will be recognized.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company recognizes a tax benefit from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by taxing authorities, based on the technical merits of the position. The tax benefits recognized in the consolidated financial statements from such a position are measured based on the largest benefit that has a greater than 50% likelihood of being realized upon ultimate settlement. As of December 31, 2014 and 2013, the Company has not recorded any unrecognized tax benefits.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing:
 normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Interest and penalties related to liabilities for uncertain tax positions will be charged to interest and operating expenses, respectively.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Reclassifications &amp;#8211;&amp;#160;&lt;/b&gt;In addition to reclassifications related to discontinued operations referred to in Note 1, certain stockholder equity balances at December 31, 2013 have been reclassified to conform to the current year presentation.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&amp;#160;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Recent Accounting Pronouncements &amp;#8211;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Financial Accounting Standards Board (&amp;#8216;FASB&amp;#8221;) amended the Comprehensive Income topic of the ASC in February 2013 with ASU No. 2013-02. The amendment addresses reporting of amounts reclassified out of accumulated other comprehensive income. Specifically, the amendment does not change the current requirements for reporting net income or other comprehensive income in the financial statements. However, the amendment does require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, in certain circumstances an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income. The guidance became effective for the Company in the first quarter of fiscal year 2014. This amendment did not have any effect on the Company&amp;#8217;s financial statements.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In July 2013 the FASB issued ASU 2013-11, &amp;#8220;Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists,&amp;#8221; which among other things, require an unrecognized tax benefit, or a portion of an unrecognized tax benefit, to be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as denoted within the ASU. The amendments in this ASU are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. The adoption of this standard in 2014 did not have any effect on the Company&amp;#8217;s financial statements.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In April 2014, the FASB issued ASU No. 2014-08, Reporting Discontinued Operations and Disclosures of Disposals of Components of an Entity. ASU No. 2014-08 changes the definition of a discontinued operation to include only those disposals of components of an entity that represent a strategic shift that has (or will have) a major effect on an entity's operations and financial results. ASU No. 2014-08 is effective prospectively for fiscal years beginning after December 15, 2014 with early adoption permitted. The Company has early adopted this update in the second quarter of 2014.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers. This new standard provides guidance for the recognition, measurement and disclosure of revenue resulting from contracts with customers and will supersede virtually all of the current revenue recognition guidance under U.S. GAAP. The standard is
 effective for the first interim period within annual reporting periods beginning after December 15, 2016. The Company is currently evaluating the impact of the provisions of this new standard on its financial position and results of operations.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In June 2014, FASB issued ASU 2014-12, Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period. ASU 2014-12 requires that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. As such, the performance target should not be reflected in estimating the grant-date fair value of the award. ASU 2014-12 is effective for annual reporting periods beginning after December 15, 2015, with early adoption permitted. The Company is evaluating the potential impacts of the new standard on its existing stock-based compensation plans.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In August 2014, the FASB issued ASU 2014-15 Presentation of Financial Statements&amp;#8212;Going Concern (Subtopic 205-40): Disclosure of Uncertainties about an Entity&amp;#8217;s Ability to Continue as a Going Concern. In connection with preparing financial statements for each annual and interim reporting period, an entity&amp;#8217;s management should evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the entity&amp;#8217;s ability to continue as a going concern within one year after the date that the financial statements are issued. Management&amp;#8217;s evaluation should be based on relevant conditions and events that are known and reasonably knowable at the date that the financial statements are issued. Substantial doubt about an entity&amp;#8217;s ability to continue as a going concern exists when relevant conditions and events, considered in the aggregate, indicate that it is probable that the entity will be unable to meet its obligations as they become due within one year after the date that the financial statements are issued. The term probable is used consistently with its use in Topic 450, Contingencies. The amendments in this Update are effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter.&lt;/p&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
<us-gaap:DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&lt;b&gt;3.&lt;/b&gt; &lt;b&gt;DISCONTINUED OPERATIONS:&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; text-indent: 0.5in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;During 2013, the Company decided to concentrate its efforts on the operations of FlexShopper and subsequently on April 30, 2014, Anchor entered into an Asset Purchase and Sale Agreement (the &amp;#8220;Purchase Agreement&amp;#8221;) with a Bank, pursuant to which Anchor sold to the Bank substantially all of its assets (the &amp;#8220;Anchor Assets&amp;#8221;), consisting primarily of its factoring portfolio (the &amp;#8220;Portfolio Accounts&amp;#8221;). The purchase price for the Anchor Assets was equal to (1) approximately $4,445,000 which represented 110% of the total funds outstanding associated with the Portfolio Accounts which resulted in a gain of approximately $445,000 plus (2) an amount equal to 50% of the factoring fee and interest income earned by the Portfolio Accounts during the 12 month period following acquisition (&amp;#8220;Earnout Payments&amp;#8221;). The Earnout Payments totaled $342,541 for the period ended December 31, 2014. The sale of the Anchor Assets was made in a series of closings through June 16, 2014. In connection with each closing, Anchor used the proceeds thereof to pay the Bank all amounts due for factor advances associated with the Portfolio Accounts acquired pursuant to such closing under Anchor&amp;#8217;s Rediscount Facility Agreement with the Bank dated November 30, 2011 (the &amp;#8220;Rediscount Facility Agreement&amp;#8221;). In accordance with the Purchase Agreement, following the final closing thereunder all obligations of Anchor under the Rediscount Facility Agreement (and the associated Validity Warranty) were paid and satisfied in full and the agreement was terminated. Anchor recorded a gain of $788,015 on the sale of these assets including the earnout payments received through December 31, 2014 which is included in income from discontinued operations. Future contingent earnout payments will be recorded as income when earned.&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; text-indent: 0.5in; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;The assets and liabilities of the discontinued operations are presented separately under the captions &amp;#8220;Assets of discontinued operations&amp;#8221; and &amp;#8220;Liabilities of discontinued operations&amp;#8221; in the accompanying consolidated Balance Sheets at December 31, 2014 and December 31, 2013 and consist of the following:&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-indent: 0.5in; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;table style="font: 10pt/normal times new roman, times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2014&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2013&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;Assets of discontinued operations:&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="width: 76%; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Retained interest in purchased accounts receivable&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;6,500&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;4,966,338&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Earned but uncollected fees&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;141,077&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Due from client&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;256,313&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;6,500&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt;
 border-bottom-style: double;"&gt;5,363,728&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;&lt;br /&gt;Liabilities of discontinued operations:&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;Accounts payable&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right;"&gt;26,966&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;Accrued expenses&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;7,626&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;51,719&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;Due to financial institution&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;3,240,942&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;Deferred revenue&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;12,328&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;7,626&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;3,331,955&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px 0px 0px 0.5in; text-align: justify; text-indent: -0.5in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;Major classes of income and expenses related to income from discontinued operations are as follows:&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&amp;#160;&lt;/p&gt;
&lt;table style="font: 10pt/normal times new roman, times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="6"&gt;Twelve months ended&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2014&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2013&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="width: 76%; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Finance revenues&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;735,357&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;2,364,128&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Interest expense and other fees -financial institution&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(109,878&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(385,918&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Benefit (Provision) for credit losses&lt;/td&gt;
&lt;td style="padding-bottom:
 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;24,904&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;(62,603&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Net finance revenues&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;650,383&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;1,915,607&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Operating expenses&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(446,733&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(1,953,814&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Other income&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;153,453&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;357,103&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(38,207&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Gain on sale of discontinued assets&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;788,015&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;Income (loss) from discontinued operations before income taxes&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;1,145,118&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(38,207&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;</us-gaap:DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock>
<us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal; margin: 0px;"&gt;&lt;b&gt;4.&lt;/b&gt;&amp;#160;&amp;#160;&lt;b&gt;PROPERTY AND EQUIPMENT:&lt;/b&gt;&lt;/p&gt;&lt;p style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal; margin: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal; margin: 0px; text-align: justify;"&gt;Property and equipment consist of the following:&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;Estimated Useful Lives&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2013&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 665px; text-align: left;"&gt;Furniture and fixtures&lt;/td&gt;&lt;td style="width: 26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 240px; text-align: center;"&gt;2-5 years&lt;/td&gt;&lt;td style="width: 26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 26px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 240px; text-align: right;"&gt;99,982&lt;/td&gt;&lt;td style="width: 26px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 26px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 240px; text-align: right;"&gt;64,945&lt;/td&gt;&lt;td style="width: 26px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left;"&gt;Website and internal use software&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center;"&gt;&amp;#160;&amp;#160;3 years&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;1,017,103&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;-&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;Computers and software&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; padding-bottom: 1.5pt;"&gt;3-7 years&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid; text-align: right;"&gt;355,213&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid; text-align: right;"&gt;251,525&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;1,472,298&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;316,470&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;Less: accumulated depreciation and amortization&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid; text-align: right;"&gt;(420,601&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;)&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid; text-align: right;"&gt;(258,391&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double; text-align: right;"&gt;1,051,697&lt;/td&gt;&lt;td style="padding-bottom: 4pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double; text-align: right;"&gt;58,079&lt;/td&gt;&lt;td style="padding-bottom: 4pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="color: #000000; font-family: 'times new roman', times,
 serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal; margin: 0px; text-align: justify; text-indent: 0.5in;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="color: #000000; font-family: 'times new roman', times, serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal; margin: 0px; text-align: justify;"&gt;Depreciation and amortization expense was $162,210 and $38,326 for the years ended December 31, 2014 and 2013, respectively.&lt;/p&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
<us-gaap:DebtDisclosureTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;5.&amp;#160;&amp;#160;LOANS PAYABLE SHAREHOLDERS:&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;&lt;div style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;On March 19, 2014, upon approval of the Board of Directors, FlexShopper entered into two Promissory Notes totaling $1,000,000, one with former CEO Morry Rubin and the other with a major shareholder and Director of the Company. Each demand Promissory Note was for $500,000 and earned interest (payable monthly) at 10% per annum. The Promissory Notes were to assist FlexShopper in purchasing merchandise for lease to support FlexShopper&amp;#8217;s growth. In May 2014, these loans were converted into shares of the Company&amp;#8217;s Common Stock at a price of $0.55 per share (Note 6). In connection therewith accrued interest amounting to approximately $4,900 was contributed to capital. On December 8, 2014, upon approval of the Board of Directors FlexShopper entered into a promissory note for $1,000,000, with a shareholder and executive of the Company. The note is payable on demand. The note was funded in increments of $500,000 on December 8&lt;sup&gt;th&lt;/sup&gt;&amp;#160;and 18&lt;sup&gt;th&lt;/sup&gt;&amp;#160;and earned interest at 15% per annum which amounted to $7,083. The Promissory Note was to assist FlexShopper in purchasing merchandise for lease and was paid in full with interest on March 11, 2015. ( Note 13)&lt;/div&gt;&lt;/div&gt;</us-gaap:DebtDisclosureTextBlock>
<us-gaap:StockholdersEquityNoteDisclosureTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;6. CAPITAL STRUCTURE:&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The Company&amp;#8217;s capital structure consists of preferred and common stock as described below:&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Preferred Stock &amp;#8211;&lt;/b&gt;&amp;#160;The Company is authorized to issue 10,000,000 shares of $.001 par value preferred stock. The Company&amp;#8217;s Board of Directors determines the rights and preferences of its preferred stock.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;div style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;On January 31, 2007, the Company filed a Certificate of Designation with the Secretary of State of Delaware. Effective with this filing, 2,000,000 preferred shares became Series 1 Convertible Preferred Stock. Series 1 Convertible Preferred Stock will rank senior to Common Stock.&lt;/div&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Each share of Series 1 Convertible Preferred Stock was convertible into 5.1 shares of the Company&amp;#8217;s Common Stock, subject to certain anti-dilution rights. As a result of the Common Stock offering described below and the sale of Common Stock to officers and/or directors, each share of Series 1 Preferred Stock is currently convertible into 5.8 shares of the Company&amp;#8217;s Common Stock and has voting rights of 5.877 common shares. The holder of the Series 1 Convertible Preferred Stock has the option to convert the shares to Common Stock at any time. Upon conversion, all accumulated and unpaid dividends were to be paid as additional shares of Common Stock.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The dividend rate on Series 1 Convertible Preferred Stock was 8%. Dividends were paid between 2007 and 2009 annually on December 31st in the form of additional Series 1 Convertible Preferred Stock unless the Board of Directors approved a cash dividend. Dividends on Series 1 Convertible Preferred Stock ceased to accrue on the earlier of December 31, 2009, or on the date they were converted to Common Shares. Thereafter, the holders of Series 1 Convertible Preferred Stock have the same dividend rights as holders of Common Stock, as if the Series 1 Convertible Preferred Stock had been converted to Common Stock.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;div style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;During the year ended December 31, 2014, 34,168 preferred shares were converted into 194,758 common shares. As of December 31, 2014 there were 342,219 shares of Series 1 Convertible Preferred Stock outstanding which are convertible into 1,984,870 shares of common stock. (See Note 13)&lt;/div&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Common Stock &amp;#8211;&lt;/b&gt;&amp;#160;The Company is authorized to issue 65,000,000 shares of $.0001 par value Common Stock. Each share of Common Stock entitles the holder to one vote at all stockholder meetings. Dividends on Common Stock will be determined annually by the Company&amp;#8217;s Board of Directors.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent:
 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;During the fourth quarter of 2013, the Company raised $1,000,000 from the sale of its restricted Common Stock at $.40 per share. An aggregate of 2,500,000 shares of Common Stock were sold under Rule 506 and/or Section 4(2) of the Securities Act of 1933 as amended. The Company also issued 14,493 shares to consultants for services rendered.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;From May through October 2014, the Company received gross proceeds of $6,501,100 from the sale of 11,820,187 shares offered through three co-placement agents in a private placement offering at an offering price of $.55 per share under Rule 506 and/or Section 4(2) of the Securities Act of 1933 as amended. In connection therewith seven year warrants to purchase 1,773,027 common shares at an exercise price of $.055 per share were issued to placement agents.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;div style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In addition, pursuant to the terms of the private placement offering, George Rubin and Morry F. Rubin, officers, directors and founders of the Company, each completed the funding of their $500,000 loan to the Company and converted these loans into shares of the Company&amp;#8217;s Common Stock at the same offering price per share as that paid by investors in the offering. An aggregate of 1,818,182 shares of the Company&amp;#8217;s Common Stock were issued to the Rubins from the conversion of their notes totaling $1,000,000.&lt;/div&gt;&lt;/div&gt;</us-gaap:StockholdersEquityNoteDisclosureTextBlock>
<us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0pt; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;7. STOCK OPTIONS&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;On January 31, 2007, the Board of Directors adopted our 2007 Omnibus Equity Compensation Plan (the &amp;#8220;Plan&amp;#8221;), with 2,100,000 common shares authorized for issuance under the Plan. In October 2009, the Company's stockholders approved an increase in the number of shares covered by the Plan to 4,200,000 shares. Grants under the plan may consist of incentive stock options, non-qualified stock options, stock appreciation rights, stock awards, stock unit awards, dividend equivalents and other stock based awards.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Employees, directors and consultants and other service providers are eligible to participate in the Plan. Options granted under the plan vest over periods ranging from immediately upon grant to a three year period and expire ten years from date of grant.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;On March 24, 2014, B. Bernstein an officer and director of the Company was granted 10 year options to purchase 250,000 shares of common stock. These options vested on the date of grant.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;On July 25, 2014, and October 14, 2014, two new Directors of the Company were each granted 10 year options to purchase 180,000 shares of common stock. These options vest one third annually commencing at the date of grant.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 5pt 0px 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Activity in stock options for the year ended December 31, 2014 follows:&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;Weighted average exercise price&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;Weighted average contractual term&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;Aggregate intrinsic value&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;Number of shares&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 815px;"&gt;Outstanding at January 1, 2014&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;0.85&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;4.05&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;295,553&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;3,015,000&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td&gt;Granted&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;$&lt;/td&gt;&lt;td style="text-align: right;"&gt;0.80&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align:
 left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;9.43&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;1,121,000&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td&gt;Canceled&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;$&lt;/td&gt;&lt;td style="text-align: right;"&gt;0.46&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;7.50&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;(347,667&lt;/td&gt;&lt;td style="text-align: left;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;Exercised&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;0.35&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;8.45&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;(33,333&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="padding-bottom: 4pt;"&gt;Outstanding at December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;0.87&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;5.30&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;757,650&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;3,755,000&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;Vested and exercisable at December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;0.89&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;4.74&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;757,650&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;3,314,999&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;Vested and exercisable at December 31, 2014 and expected to vest thereafter&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;0.89&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;5.30&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;757,650&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td
 style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;3,704,400&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left;"&gt;The intrinsic value of the options exercised during 2014 was $21,666&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The weighted average grant date fair value of options granted during 2014 was $0.06 per share. The Company measured the fair value of each option award on the date of grant using the Black Scholes option pricing model (BSM) with the following assumptions:&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal calibri, helvetica, sans-serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="line-height: 14.26px; padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 14.26px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="line-height: 14.26px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Exercise price&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;$0.75 to $0.90&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 14.26px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Expected life&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;6 years&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 1403.81px; line-height: 14.26px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Expected volatility&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 16px; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 109px; text-align: right; line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;37%&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 15px; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 14.26px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Dividend yield&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;0&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="line-height: 14.26px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Risk-free interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;1.64% to 2.70%&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 0px 10pt; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The expected dividend yield is based on the Company&amp;#8217;s historical dividend yield. The expected volatility was based on the average of historical volatilities for a period comparable to the expected life of the options of certain entities considered to be similar to the Company. The expected life is based on the simplified
 expected term calculation permitted by the SEC which defines the expected life as the average of the contractual term of the options and the weighted-average vesting period for all option tranches. The risk-free interest rate is based on the annual yield on the grant date of a zero-coupon U.S. Treasury bond the maturity of which equals the option&amp;#8217;s expected life.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 0px 10pt; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The value of stock options is recognized as compensation expense by the straight line method over the vesting period. Compensation expense recorded for options in the statements of operations was $299,700 and $49,805 for the years ended December 31, 2014 and 2013, respectively. Unrecognized compensation cost related to non-vested options at December 31, 2014 amounted to $130,400 which is expected to be recognized over a weighted average period of 2.5 years.&lt;/p&gt;</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
<fpay:WarrantsDisclosureTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal 'times new roman', times, serif; text-align: left; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; margin-top: 0px; margin-right: 0px; margin-bottom: 10pt; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;8. WARRANTS:&lt;/b&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;On January 31, 2014 the expiration date of outstanding warrants issued to one of the Company&amp;#8217;s placement agents to purchase 1,342,500 shares of the Company&amp;#8217;s common stock at $1.10 per share, due to expire on January 31, 2014 was extended by the Company through January 31, 2018. The following information was input into BSM to compute a fair value price of $.104 for each modified warrant:&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal calibri, helvetica, sans-serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="line-height: 14.26px; background-color: #cceeff;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Exercise price&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px; background-color: #cceeff;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px; background-color: #cceeff;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px; background-color: #cceeff;" colspan="2"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;1.10&lt;/font&gt;&lt;/td&gt;&lt;td nowrap="nowrap" style="text-align: right; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Term&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px;" colspan="3"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;4 years&lt;/font&gt;&lt;/td&gt;&lt;td nowrap="nowrap" style="text-align: right; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="line-height: 14.26px; background-color: #cceeff;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Expected volatility&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px; background-color: #cceeff;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px; background-color: #cceeff;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px; background-color: #cceeff;" colspan="2"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;37%&lt;/font&gt;&lt;/td&gt;&lt;td nowrap="nowrap" style="text-align: right; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 1411px; line-height: 14.26px; vertical-align: bottom; background-color: white;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Dividend yield&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 16px; text-align: right; line-height: 14.26px; vertical-align: bottom; background-color: white;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 14.26px; vertical-align: bottom; background-color: white;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 94px; text-align: right; line-height: 14.26px; vertical-align: bottom; background-color: white;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;0&lt;/font&gt;&lt;/td&gt;&lt;td nowrap="nowrap" style="width: 15px; text-align: right; line-height: 14.26px; vertical-align: bottom; background-color: white;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 15px; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="line-height: 14.26px; vertical-align: bottom; background-color: #cceeff;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Risk-free interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px; vertical-align: bottom; background-color: #cceeff;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px; vertical-align: bottom; background-color: #cceeff;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px; vertical-align: bottom; background-color: #cceeff;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;.09&lt;/font&gt;&lt;/td&gt;&lt;td nowrap="nowrap" style="text-align: right; line-height: 14.26px; vertical-align: bottom; background-color: #cceeff;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;For the years ended December 31, 2014 and 2013, compensation expense of $139,620 and $1,916 respectively was recorded related to these warrants.&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The following table summarizes information about outstanding stock warrants as of December 31, 2014 all of which are exercisable:&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal;
 word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="line-height: 15.33px;" colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Weighted Average&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="2"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Exercise&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="2"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Number&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Remaining&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="text-align: center; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Price&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Outstanding&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Contractual Life&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 32px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 439px; text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 32px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 32px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 31px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 438px; text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 31px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 31px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 462.81px; line-height: 15.33px; padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 31px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;1.10&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;1,342,500&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;3 years&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;1.00&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;2,000,004&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;6 years&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;0.55&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;1,773,027&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&amp;#160;7 years&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 4.5pt; border-bottom-style: double;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;5,115,531&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</fpay:WarrantsDisclosureTextBlock>
<us-gaap:IncomeTaxDisclosureTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&lt;b&gt;9. INCOME TAXES:&lt;/b&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;For the year ended December 31, 2014, the income tax benefit allocated to continuing operations represents the tax benefit from utilizing the loss from continuing operations to offset income from discontinued operations. A corresponding tax provision was charged to discontinued operations.&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;Reconciliation of the benefit for income taxes from continuing operations recorded in the consolidated statement of operations with the amounts computed at the statutory federal tax rate of 34% as follows:&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;table style="font: 10pt/normal times new roman, times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;2014&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;2013&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="width: 76%; text-align: left;"&gt;Federal tax benefit at statutory rate&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;(1,657,000&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;)&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;(235,000&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left;"&gt;State tax benefit, net of federal tax&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(61,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(10,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left;"&gt;Permanent differences&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(38,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;5,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;Increase in valuation allowance&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;1,298,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;240,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;Benefit for income taxes&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(458,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;Tax affected components of deferred tax assets and deferred tax liabilities at December 31, 2014 and 2013 were as follows:&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;table style="font: 10pt/normal times new roman, times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;2014&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;2013&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;
 background-color: #cceeff;"&gt;
&lt;td style="text-align: left;"&gt;Deferred tax assets:&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="width: 76%; text-align: left;"&gt;Equity based compensation&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;229,000&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;102,000&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left;"&gt;Allowance for doubtful accounts&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;552,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;1,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left;"&gt;Lease merchandise&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;582,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;Net operating loss carry-forwards&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;1,680,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;1,660,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left;"&gt;Gross deferred tax assets&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;3,043,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;1,763,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;Valuation allowance&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;(3,042,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;)&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;(1,744,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left;"&gt;Net deferred tax assets&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;1,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;19,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left;"&gt;Deferred tax liabilities:&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;Fixed assets&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;(1,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;)&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;(19,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br /&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new
 roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;Based on consideration of the available evidence including historical losses a valuation allowance has been recognized to offset deferred tax assets, as management was unable to conclude that realization of deferred tax assets were more likely than not.&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;As of December 31, 2014, the Company has federal net operating loss carryforwards of approximately $4,547,000 and state net operating loss carryforwards of approximately $3,351,000 available to offset future taxable income which expire from 2022 to 2034.&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br /&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; text-align: left; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal;"&gt;Section 382 of the Internal Revenue Code imposes a limitation on a corporation's ability to utilize net operating loss carryforwards (&amp;#8220;NOLs&amp;#8221;) if it experiences an &amp;#8220;ownership change.&amp;#8221;&amp;#160;In general, an ownership change may result from transactions increasing the ownership of certain stockholders in the stock of a corporation by more than 50 percentage points over a three-year period. If such a change were to occur, certain NOLs available to be used could be disallowed and an annual limitation on utilization of other NOLs would occur.&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;The Company files tax returns in the U.S. federal jurisdiction and various states.&amp;#160;&amp;#160;At December 31, 2014, federal tax returns remained open for Internal Revenue Service review for tax years after 2010, while state tax returns remain open for review by state taxing authorities for tax years after 2009.&amp;#160;There were no federal or state income tax audits being conducted as of December 31, 2014.&lt;/p&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
<us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;p style="font: 10pt/15.33px 'times new roman', times, serif; margin: 0px 0px 10pt; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;10. COMMITMENTS AND CONTINGENCIES:&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/15.33px 'times new roman', times, serif; margin: 0px 0px 10pt; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Lease Commitments&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;On August 1, 2013, FlexShopper entered into a 39 month lease of office space providing for monthly rent of approximately $6,800. This lease agreement was amended in January 2014 to reflect a 63 month term for a larger suite in an adjoining building. Upon commencement the monthly base rent for the first year approximated $9,600 with annual three percent increases throughout the lease term.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The rental expense for the years ended December 31, 2014 and 2013 was approximately $163,500 and $58,800, respectively. At December 31, 2014, the future minimum annual lease payments are approximately as follows:&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;table align="center" style="font: 10pt/normal 'times new roman', times, serif; width: 571.33px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 12px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 390px; text-align: left;"&gt;2015&lt;/td&gt;&lt;td style="width: 12.66px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 12.66px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 14px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 117.33px; text-align: right;"&gt;118,000&lt;/td&gt;&lt;td style="width: 12.66px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;2016&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;121,500&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;2017&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;125,300&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;2018&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;129,000&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;2019&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;77,000&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;570,800&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Contingencies&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;On October 22, 2010, Anchor filed a complaint in the Superior Court of Stamford/Norwalk, Connecticut against the Administrators of the Estate of David Harvey (&amp;#8220;Harvey&amp;#8221;) to recoup a credit loss incurred by the Company&amp;#8217;s former subsidiary,
 Brookridge Funding Services, LLC. Harvey was the owner of a Company that caused the credit loss and the Company is pursuing its rights under the personal guarantee that Harvey provided. The Complaint is demanding principal of approximately $485,000 plus interest and damages. On September 9, 2014, the Company received $124,774 from Harvey as a final settlement, which is included in discontinued operations.&lt;/p&gt;&lt;/div&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
<fpay:EmploymentAgreementTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;11. EMPLOYMENT AGREEMENTS&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;On January 31, 2007, the Company entered into an employment agreement to retain the services of Brad Bernstein who currently serves as Chief Executive Officer and President. For fiscal 2013 and fiscal 2014, Mr. Bernstein received an annual salary of $240,000.Mr. Bernstein&amp;#8217;s employment agreement currently expires on January 31, 2016 and will automatically renew for an additional one year unless either party notifies the other, in writing, at least 60 days prior to the expiration date of the term of such party&amp;#8217;s intention not to renew the agreement. In the event Mr. Bernstein's services are terminated due to death or disability, Mr. Bernstein would receive six months&amp;#8217; severance pay. In the event Mr. Bernstein is terminated without cause, Mr. Bernstein would receive 12 months&amp;#8217; severance pay.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Morry F. Rubin, Chairman of the Board and former Chief Executive Officer had also entered into an employment agreement on January 31, 2007. Pursuant to the employment agreement, Mr. Rubin received compensation of $85,307 and $98,538 for 2013 and 2014, respectively. On December 29, 2014, Mr. Rubin resigned as Chief Executive Officer of our Company and agreed to terminate his employment agreement. Mr. Rubin is continuing to serve as Chairman of the Board of the Company and we have agreed to compensate Mr. Rubin by paying 50% of the health insurance premiums for him and his family under our health insurance plan.&lt;/p&gt;</fpay:EmploymentAgreementTextBlock>
<us-gaap:QuarterlyFinancialInformationTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;12. FOURTH QUARTER ADJUSTMENT&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In the fourth quarter of 2014, the Company capitalized $1,017,104 of website and internal use software costs and correspondingly recognized $103,222 of accumulated amortization, or a net adjustment of $913,822 of which $627,646 related to amounts expensed in prior quarters of 2014 as follows:&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;u&gt;&lt;/u&gt;&lt;/td&gt;&lt;td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;Quarter Ended&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt; font-weight: bold;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; font-weight: bold;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;Amount&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt; font-weight: bold;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="width: 24px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1216px; text-align: left;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;March 31&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 24px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 24px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 24px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 230px; text-align: right;"&gt;158,529&lt;/td&gt;&lt;td style="width: 25px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;June 30&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;233,751&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;September 30&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;235,366&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;627,646&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/15.33px 'times new roman', times, serif; margin: 0px 0px 10pt; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/15.33px 'times new roman', times, serif; margin: 0px 0px 10pt; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The effects of such adjustments on net loss for the prior quarters follows (unaudited):&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="text-align: center;"&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="10"&gt;Quarter Ended:&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;Net loss:&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;March 31,&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black;
 border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;June 30,&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;September 30,&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 995.81px; padding-left: 5.4pt;"&gt;As previously reported&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;(1,201,375&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;)&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;(1,244,069&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;)&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;(1,364,623&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;Adjustment&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;158,529&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;233,751&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;235,366&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="padding-bottom: 4pt; padding-left: 5.4pt;"&gt;As adjusted&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(1,042,846&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(1,010,318&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(1,129,257&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;Basic and diluted loss per common share:&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="padding-left: 5.4pt;"&gt;As previously reported&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;$&lt;/td&gt;&lt;td style="text-align: right;"&gt;(0.05&lt;/td&gt;&lt;td style="text-align: left;"&gt;)&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;$&lt;/td&gt;&lt;td style="text-align: right;"&gt;(0.05&lt;/td&gt;&lt;td style="text-align: left;"&gt;)&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;$&lt;/td&gt;&lt;td style="text-align: right;"&gt;(0.04&lt;/td&gt;&lt;td style="text-align: left;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;Adjustment&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;0.01&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;0.01&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;0.01&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="padding-bottom: 4pt; padding-left: 5.4pt;"&gt;As adjusted&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(0.04&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(0.04&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(0.03&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</us-gaap:QuarterlyFinancialInformationTextBlock>
<us-gaap:SubsequentEventsTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;13. SUBSEQUENT EVENTS&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 0px 12pt; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;On March 6, 2015, FlexShopper entered into a credit agreement (the &amp;#8220;Credit Agreement&amp;#8221;) with a Lender. FlexShopper is permitted to borrow funds under the Credit Agreement based on FlexShopper&amp;#8217;s cash on hand and the Amortized Order Value of its Eligible Leases (as such terms are defined in the Credit Agreement) less certain deductions described in the Credit Agreement. Under the terms of the Credit Agreement, subject to the satisfaction of certain conditions, FlexShopper may borrow up to $25,000,000 from the Lender for a term of two years. The borrowing term may be extended for an additional twelve months in the sole discretion of the Lender. The Credit Agreement contemplates that the Lender may provide additional debt financing to FlexShopper, up to $100 million in total, under two uncommitted accordions following satisfaction of certain covenants and other terms and conditions. The Lender will receive security interests in certain leases as collateral under the Credit Agreement.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 0px 12pt; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;In connection with entering into the Credit Agreement, on March 6, 2015, FlexShopper raised approximately $8.6 million in net proceeds through direct sales of 17.0 million shares of FlexShopper common stock, (the &amp;#8220;Shares&amp;#8221;), to certain affiliates of the Lender and other accredited investors (the &amp;#8220;Investors&amp;#8221;) for a purchase price of $0.55 per share.&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 0px 12pt; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;As a result of the transactions described in the preceding paragraph, each share of Series 1 Convertible Preferred Stock is now convertible into 6.33 shares of the Company&amp;#8217;s common stock or a total of 2,166,246 common shares. as a result of the anti-dilution rights of the Preferred Stock.&lt;/p&gt;&lt;div style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 0px 12pt; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;On March 26, 2015, our Lender pursuant to its rights under the transaction documents executed on March 6, 2015, nominated as a board member and the board approved effective April 1, 2015 the election of Philip Gitler. On the same date, the board approved a resolution, subject to stockholder approval and a filing of an amendment to the Company&amp;#8217;s Certificate of Incorporation with the Secretary of State of the State of Delaware to increase the number of authorized shares of Common Stock from 65 million shares to 100 million shares. Also, the board approved a 2015 Stock Option Plan identical to the existing 2007 Plan with 4,000,000 shares of its Common Stock that may be issued under the Plan. The 2015 Plan is subject to approval of an increase in the number of shares of authorized Common Stock described above and stockholder approval within 12 months.&lt;/div&gt;&lt;/div&gt;</us-gaap:SubsequentEventsTextBlock>
<us-gaap:ConsolidationPolicyTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;b&gt;Principles of Consolidation - &lt;/b&gt;The accompanying consolidated financial statements include the accounts of the Company. and its wholly owned subsidiaries after elimination of intercompany balances and transactions.&lt;/div&gt;</us-gaap:ConsolidationPolicyTextBlock>
<us-gaap:UseOfEstimates contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;b&gt;Estimates &amp;#8211;&lt;/b&gt; The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates&lt;/div&gt;</us-gaap:UseOfEstimates>
<us-gaap:RevenueRecognitionPolicyTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&lt;b&gt;Revenue Recognition&lt;/b&gt; - Merchandise is leased to customers pursuant to lease purchase agreements which provide for weekly and bi-weekly lease terms with non-refundable lease payments. Generally the customer has the right to acquire title either through a 90 day same as cash option or through payments of all required lease payments generally 52 weeks, for ownership. Customers have the option to cancel the agreement in accordance with lease terms and return the merchandise. Accordingly, customer agreements are accounted for as operating leases with l&lt;font style="letter-spacing: -0.35pt;"&gt;e&lt;/font&gt;ase&lt;font style="letter-spacing: 1.9pt;"&gt;&lt;/font&gt;&lt;font style="letter-spacing: -0.65pt;"&gt;r&lt;/font&gt;ev&lt;font style="letter-spacing: -0.4pt;"&gt;e&lt;/font&gt;n&lt;font style="letter-spacing: 0.35pt;"&gt;u&lt;/font&gt;es r&lt;font style="letter-spacing: -0.7pt;"&gt;e&lt;/font&gt;co&lt;font style="letter-spacing: 0.1pt;"&gt;g&lt;/font&gt;n&lt;font style="letter-spacing: -0.4pt;"&gt;i&lt;/font&gt;z&lt;font style="letter-spacing: -0.35pt;"&gt;e&lt;/font&gt;d in&lt;font style="letter-spacing: 1.1pt;"&gt;&lt;/font&gt;the&lt;font style="letter-spacing: 1.6pt;"&gt;&lt;/font&gt;&lt;font style="letter-spacing: -0.05pt;"&gt;m&lt;/font&gt;&lt;font style="letter-spacing: 0.3pt;"&gt;o&lt;/font&gt;nth they are d&lt;font style="letter-spacing: -0.35pt;"&gt;u&lt;/font&gt;e&lt;font style="letter-spacing: 2.05pt;"&gt;&lt;/font&gt;on&lt;font style="letter-spacing: 1.85pt;"&gt;&lt;/font&gt;the ac&lt;font style="letter-spacing: -0.05pt;"&gt;c&lt;/font&gt;rual basis of ac&lt;font style="letter-spacing: -0.4pt;"&gt;c&lt;/font&gt;&lt;font style="letter-spacing: -0.05pt;"&gt;o&lt;/font&gt;unting. Merchandise sales revenue is recognized when the customer exercises the purchase option and pays the purchase price. Revenue from processing fees earned upon exercise by the customer of the 90 day purchase option is recorded upon recognition of the related merchandise sales. These fees amounted to approximately $38,000 for the year ended December 31, 2014. Revenue for lease pay&lt;font style="letter-spacing: 0.3pt;"&gt;m&lt;/font&gt;ents re&lt;font style="letter-spacing: -0.4pt;"&gt;c&lt;/font&gt;eiv&lt;font style="letter-spacing: -0.35pt;"&gt;e&lt;/font&gt;d prior &lt;font style="letter-spacing: -0.3pt;"&gt;t&lt;/font&gt;o their due date is deferred and recognized as revenue in the period to which the payments relate. Revenues from leases and sales are reported net of sales taxes.&lt;/p&gt;</us-gaap:RevenueRecognitionPolicyTextBlock>
<us-gaap:ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 0px 10pt; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Accounts Receivable and Allowance for Doubtful Accounts &amp;#8211;&amp;#160;&lt;/b&gt;FlexShopper seeks to collect amounts owed under its leases from each customer on a weekly basis by charging their bank account or credit card. Accounts receivable are principally comprised of lease payments currently owed to FlexShopper which are past due as FlexShopper has been unable to successfully collect in the manner described above. An allowance for doubtful accounts is estimated by providing an allowance for all accounts in excess of four payments in arrears, adjusted for subsequent collections. FlexShopper is developing historical data to assess the estimate of the allowance in the future. The accounts receivable balances consisted of the following as of December 31, 2014 and 2013.&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2013&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 1183.81px; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Accounts receivable&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;1,509,736&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;119&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Allowance for doubtful accounts&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;1,380,902&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;Accounts receivable, net&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;128,834&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;119&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/15.33px 'times new roman', times, serif; margin: 0px 0px 10pt; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 0px 10pt; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;The allowance is a significant percentage of the balance because FlexShopper has not charged off any customer accounts since inception to assure that it has exhausted all collection efforts with respect to each account including attempts to repossess items. In addition, the same delinquent customers will continue to accrue weekly charges until they are charged off or FlexShopper has exhausted collection efforts. FlexShopper will charge off accounts upon determining that collection is not probable.&lt;/p&gt;</us-gaap:ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy>
<us-gaap:LeasePolicyTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Lease Merchandise &amp;#8211;&amp;#160;&lt;/b&gt;Until all payment obligations for ownership are satisfied under the lease agreement, the Company maintains ownership of the lease merchandise.&lt;b&gt;&amp;#160;&lt;/b&gt;Lease merchandise consists primarily of residential furniture, consumer electronics, computers, appliances and household accessories and is recorded at cost net of accumulated depreciation. The Company depreciates leased merchandise using the straight line method over the applicable agreement period for a consumer to acquire ownership, generally twelve months with no salvage value. For lease merchandise returned or anticipated to be returned either voluntarily or through repossession, the Company provides an impairment reserve for the undepreciated balance of the merchandise with a corresponding charge to cost of lease revenue. The impairment charge amounted to $527,000 for the year ended December 31, 2014. The Company is developing historical charge off information to assess recoverability and estimate of the impairment reserve. The net leased merchandise balances consisted of the following as of December 31, 2014 and 2013:&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2013&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 1183.81px; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Lease merchandise at cost&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;6,929,509&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;8,128&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Accumulated depreciation&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;2,160,591&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;124&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Impairment reserve&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;527,000&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;Lease merchandise, net&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;4,241,918&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;8,004&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;Cost of lease merchandise sold represents the undepreciated cost of rental merchandise at the time of sale.&lt;/p&gt;</us-gaap:LeasePolicyTextBlock>
<us-gaap:GoodwillAndIntangibleAssetsIntangibleAssetsPolicy contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;Intangible Assets&amp;#160;&lt;/b&gt;&amp;#8211; Intangible assets consist of a pending&lt;b&gt;&amp;#160;&lt;/b&gt;patent on the Company&amp;#8217;s LTO payment method at check-out for third party e-commerce sites. Patents are stated at cost less accumulated amortization. Patent costs are amortized by using the straight line method over the legal life, or if shorter, the useful life of the patent which has been estimated to be 10 years. The net patent cost balances consisted of the following as of December 31, 2014 and 2013:&amp;#160;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2013&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 1183.81px; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Patent costs&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;30,760&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;30,760&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Accumulated amortization&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;4,268&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;Patent costs, net&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;26,492&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;30,760&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</us-gaap:GoodwillAndIntangibleAssetsIntangibleAssetsPolicy>
<us-gaap:SoftwareToBeSoldLeasedOrOtherwiseMarketedPolicy contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&lt;b&gt;Software Costs -&amp;#160;&lt;/b&gt;Costs related to developing or obtaining internal-use software incurred during the preliminary project and post-implementation stages of an internal use software project are expensed as incurred and certain costs incurred in the project&amp;#8217;s application development stage are capitalized as property and equipment.&amp;#160;&amp;#160;The Company expenses costs related to the planning and operating stages of a website. Direct costs incurred in the website&amp;#8217;s development stage are capitalized as property and equipment. Costs associated with minor enhancements and maintenance for the website are included in expenses as incurred. ( Note 4)&lt;/p&gt;</us-gaap:SoftwareToBeSoldLeasedOrOtherwiseMarketedPolicy>
<us-gaap:SellingGeneralAndAdministrativeExpensesPolicyTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;b&gt;Operating Expenses &amp;#8211; &lt;/b&gt;Operating expenses include all corporate overhead expenses such as salaries, payroll taxes and benefits, stock based compensation, occupancy, advertising and other administrative expenses.&lt;/div&gt;</us-gaap:SellingGeneralAndAdministrativeExpensesPolicyTextBlock>
<us-gaap:AdvertisingCostsPolicyTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&lt;b&gt;Advertising Costs &amp;#8211;&lt;/b&gt; The Company charges advertising costs to expense as incurred. Total advertising costs were approximately $885,000 for the year ended December 31, 2014. Prior year advertising costs are included in discontinued operations.&lt;/p&gt;</us-gaap:AdvertisingCostsPolicyTextBlock>
<us-gaap:EarningsPerSharePolicyTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&lt;b&gt;Per Share Data &amp;#8211; &lt;/b&gt;Per share data is computed by use of the two-class method as a result of outstanding convertible preferred stock which participates in dividends with the common stock and accordingly has participation rights in undistributed earnings as if all such earnings had been distributed during the period (see Note 6). Under such method where the Company has undistributed net income, basic earnings per common share is computed based on the total of any dividends paid per common share plus undistributed income per common share determined by dividing net income reduced by any dividends paid on common and preferred stock by the total of the weighted average number of common shares outstanding plus the weighted average number of common shares issuable upon conversion of outstanding preferred stock during the period. Where the Company has a net loss, basic per share data (including income from continuing operations) is computed based solely on the weighted average number of common shares outstanding during the period. As the convertible preferred stock has no contractual obligation to share in the losses of the Company, common shares issuable upon conversion of the preferred stock are not included in such computations.&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;Diluted earnings per share is based on the more dilutive of the if-converted method (which assumes conversion of the preferred stock as of the beginning of the period) or the two-class method (which assumes that the preferred stock is not converted) plus the potential impact of dilutive options and warrants. The dilutive effect of stock options and warrants is computed using the treasury stock method, which assumes the repurchase of common shares at the average market price during the period. Under the treasury stock method, options and warrants will have a dilutive effect when the average price of common stock during the period exceeds the exercise price of options or warrants.&amp;#160;&amp;#160;When there is a loss from continuing operations, potential common shares are not included in the computation of diluted loss per share, since they have an anti-dilutive effect.&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px; text-indent: 0.5in;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="font: 10pt/115% times new roman, times, serif; margin: 0px 0px 10pt;"&gt;In computing diluted loss per share, no effect has been given to the issuance of common stock upon conversion or exercise of the following securities as their effect is anti-dilutive:&lt;/p&gt;&lt;table style="font: 10pt/normal times new roman, times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 115%;" colspan="7"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 115%;" colspan="7"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;&lt;b&gt;Twelve months ended&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 115%;" colspan="7"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 115%;" colspan="7"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;&lt;b&gt;December 31,&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 115%;" colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 115%;" colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: center; line-height: 115%;" colspan="2"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: center; line-height: 115%;" colspan="2"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;&lt;b&gt;2013&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 52%; padding-left: 5.4pt; line-height: 115%;"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;Convertible preferred stock&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 1%; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 9%; text-align: right; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 9%; text-align: right; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 9%; text-align: right; line-height: 115%;"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;1,984,870&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 1%; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 9%; text-align: right; line-height: 115%;"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;1,919,573&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 1%; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-left: 5.4pt; line-height: 115%;"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;Options&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 115%;"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;3,755,000&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 115%;"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;2,923,205&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr
 style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="padding-left: 5.4pt; line-height: 115%;"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;Warrants&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 115%;"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;5,115,531&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: right; line-height: 115%;"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;3,342,504&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 4.5pt double; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 4.5pt double; text-align: right; line-height: 115%;"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;10,855,378&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 4.5pt double; line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 4.5pt double; text-align: right; line-height: 115%;"&gt;&lt;font style="font: 10pt times new roman, times, serif;"&gt;8,185,282&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 115%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</us-gaap:EarningsPerSharePolicyTextBlock>
<us-gaap:CompensationRelatedCostsPolicyTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&lt;b&gt;Stock Based Compensation -&lt;/b&gt; The fair value of transactions in which the Company exchanges its equity instruments for employee services (share-based payment transactions) is recognized as an expense in the financial statements as services are performed.&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px; text-indent: 0.5in;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;Compensation expense is determined by reference to the fair value of an award on the date of grant and is amortized on a straight-line basis over the vesting period. We have elected to use the Black-Scholes-Merton (BSM) pricing model to determine the fair value of all stock option awards. See Note 7.&lt;/p&gt;</us-gaap:CompensationRelatedCostsPolicyTextBlock>
<us-gaap:IncomeTaxPolicyTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&lt;b&gt;Income Taxes&lt;/b&gt;&amp;#8211; Deferred tax assets and liabilities are determined based on the estimated future tax effects of net operating loss carryforwards and temporary differences between the tax bases of assets and liabilities and their respective financial reporting amounts measured at the current enacted tax rates. The Company records a valuation allowance for its deferred tax assets when management concludes that it is not more likely than not that such assets will be recognized.&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;The Company recognizes a tax benefit from an uncertain tax position only if it is more likely than not that the tax position will be sustained on examination by taxing authorities, based on the technical merits of the position. The tax benefits recognized in the consolidated financial statements from such a position are measured based on the largest benefit that has a greater than 50% likelihood of being realized upon ultimate settlement. As of December 31, 2014 and 2013, the Company has not recorded any unrecognized tax benefits.&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;Interest and penalties related to liabilities for uncertain tax positions will be charged to interest and operating expenses, respectively.&lt;/p&gt;</us-gaap:IncomeTaxPolicyTextBlock>
<us-gaap:PriorPeriodReclassificationAdjustmentDescription contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;b&gt;Reclassifications &amp;#8211; &lt;/b&gt;In addition to reclassifications related to discontinued operations referred to in Note 1, certain stockholder equity balances at December 31, 2013 have been reclassified to conform to the current year presentation.&lt;/div&gt;</us-gaap:PriorPeriodReclassificationAdjustmentDescription>
<us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&lt;b&gt;Recent Accounting Pronouncements &amp;#8211; &lt;/b&gt;&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px; text-indent: 0.5in;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;The Financial Accounting Standards Board (&amp;#8216;FASB&amp;#8221;) amended the Comprehensive Income topic of the ASC in February 2013 with ASU No. 2013-02. The amendment addresses reporting of amounts reclassified out of accumulated other comprehensive income. Specifically, the amendment does not change the current requirements for reporting net income or other comprehensive income in the financial statements. However, the amendment does require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, in certain circumstances an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income. The guidance became effective for the Company in the first quarter of fiscal year 2014. This amendment did not have any effect on the Company&amp;#8217;s financial statements.&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;In July 2013 the FASB issued ASU 2013-11, &amp;#8220;Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists,&amp;#8221; which among other things, require an unrecognized tax benefit, or a portion of an unrecognized tax benefit, to be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as denoted within the ASU. The amendments in this ASU are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. The adoption of this standard in 2014 did not have any effect on the Company&amp;#8217;s financial statements.&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&amp;#160;&amp;#160;&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;In April 2014, the FASB issued ASU No. 2014-08, Reporting Discontinued Operations and Disclosures of Disposals of Components of an Entity. ASU No. 2014-08 changes the definition of a discontinued operation to include only those disposals of components of an entity that represent a strategic shift that has (or will have) a major effect on an entity's operations and financial results. ASU No. 2014-08 is effective prospectively for fiscal years beginning after December 15, 2014 with early adoption permitted. The Company has early adopted this update in the second quarter of 2014.&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px; text-indent: 0.5in;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers. This new standard provides guidance for the recognition, measurement and disclosure of revenue resulting from contracts with customers and will supersede virtually all of the current revenue recognition guidance under U.S. GAAP. The standard is effective for the first interim period within annual reporting periods beginning after December 15, 2016. The Company is currently evaluating the impact of the provisions of this new standard on its financial position and results of operations.&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px; text-indent: 0.5in;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;In June 2014, FASB issued ASU 2014-12, Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period. ASU 2014-12 requires that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. As such, the performance target should not be reflected in estimating the grant-date fair value of the award. ASU 2014-12 is effective for annual reporting periods beginning after December 15, 2015, with early adoption permitted. The Company is evaluating the potential impacts of the new standard on its existing stock-based compensation plans.&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px; text-indent: 0.5in;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px; text-indent: 0.5in;"&gt;&amp;#160;&lt;/p&gt;&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;In August 2014, the FASB issued ASU 2014-15 Presentation of Financial Statements&amp;#8212;Going Concern (Subtopic 205-40): Disclosure of Uncertainties about an Entity&amp;#8217;s Ability to Continue as a Going Concern. In connection with preparing financial statements for each annual and interim reporting period, an entity&amp;#8217;s management should evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the entity&amp;#8217;s ability to continue as a going concern within one year after the date that the financial statements are issued. Management&amp;#8217;s evaluation should be based on relevant conditions and events that are known and reasonably knowable at the date that the financial statements are issued. Substantial doubt about an entity&amp;#8217;s ability to continue as a going concern exists when relevant conditions and events, considered in the aggregate, indicate that it is probable that the entity will be unable to meet its obligations as they become due within one year after the date that the financial statements are issued. The term probable is used consistently with its use in Topic 450, Contingencies. The amendments in this Update are effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter.&lt;/p&gt;</us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock>
<us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px 0px 10pt; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2013&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 1183.81px; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Accounts receivable&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;1,509,736&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;119&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Allowance for doubtful accounts&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;1,380,902&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;Accounts receivable, net&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;128,834&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;119&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/15.33px 'times new roman', times, serif; margin: 0px 0px 10pt; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;/div&gt;</us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
<us-gaap:ScheduleOfIntangibleAssetsAndGoodwillTableTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2013&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 1183.81px; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Patent costs&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;30,760&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;30,760&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Accumulated amortization&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;4,268&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;Patent costs, net&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;26,492&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;30,760&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;/div&gt;</us-gaap:ScheduleOfIntangibleAssetsAndGoodwillTableTextBlock>
<us-gaap:ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;p style="font: 10pt/15.33px 'times new roman', times, serif; margin: 0px 0px 10pt; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="7"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="7"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;Twelve months ended&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="7"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="7"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;December 31,&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;2013&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 807.81px; line-height: 15.33px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Convertible preferred stock&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 16px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 142px; text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 142px; text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 141px; text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;1,984,870&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 15px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 141px; text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;1,919,573&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 15px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 15.33px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Options&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;3,755,000&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;2,923,205&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="line-height: 15.33px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Warrants&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;5,115,531&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;3,342,504&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height:
 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px; border-bottom-color: black; border-bottom-width: 4.5pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 4.5pt; border-bottom-style: double;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;10,855,378&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px; border-bottom-color: black; border-bottom-width: 4.5pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 4.5pt; border-bottom-style: double;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;8,185,282&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;/div&gt;</us-gaap:ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTextBlock>
<fpay:LeaseMerchandiseTableTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2013&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 1183.81px; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Lease merchandise at cost&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;6,929,509&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;8,128&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Accumulated depreciation&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;2,160,591&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;124&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Impairment reserve&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;527,000&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;Lease merchandise, net&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;4,241,918&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;8,004&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0.5in; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;/div&gt;</fpay:LeaseMerchandiseTableTextBlock>
<us-gaap:ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal times new roman, times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: center;" colspan="2"&gt;December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: center;" colspan="2"&gt;December 31, 2013&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;Assets of discontinued operations:&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="width: 76%; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Retained interest in purchased accounts receivable&lt;/td&gt;&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 9%; text-align: right;"&gt;6,500&lt;/td&gt;&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 9%; text-align: right;"&gt;4,966,338&lt;/td&gt;&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Earned but uncollected fees&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;-&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;141,077&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Due from client&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: right;"&gt;-&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: right;"&gt;256,313&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 4pt double; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="border-bottom: black 4pt double; text-align: right;"&gt;6,500&lt;/td&gt;&lt;td style="padding-bottom: 4pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 4pt double; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="border-bottom: black 4pt double; text-align: right;"&gt;5,363,728&lt;/td&gt;&lt;td style="padding-bottom: 4pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;&lt;br /&gt;Liabilities of discontinued operations:&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;Accounts payable&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;$&lt;/td&gt;&lt;td style="text-align: right;"&gt;-&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;$&lt;/td&gt;&lt;td style="text-align: right;"&gt;26,966&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;Accrued expenses&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;7,626&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;51,719&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;Due to financial institution&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;-&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;3,240,942&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left; padding-left: 5.4pt;"&gt;Deferred revenue&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: right;"&gt;-&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: right;"&gt;12,328&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 4pt double; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="border-bottom: black 4pt double; text-align: right;"&gt;7,626&lt;/td&gt;&lt;td style="padding-bottom: 4pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 4pt double; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="border-bottom: black 4pt double; text-align: right;"&gt;3,331,955&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</us-gaap:ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock>
<fpay:ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementTableTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;table style="font: 10pt/normal times new roman, times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="6"&gt;Twelve months ended&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2014&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;December 31, 2013&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;" colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td colspan="2"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="width: 76%; text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Finance revenues&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;735,357&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;2,364,128&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Interest expense and other fees -financial institution&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(109,878&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(385,918&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Benefit (Provision) for credit losses&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;24,904&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;(62,603&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Net finance revenues&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;650,383&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;1,915,607&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;&amp;#160;Operating expenses&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(446,733&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(1,953,814&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Other income&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;153,453&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;357,103&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(38,207&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;&amp;#160;Gain on sale of discontinued assets&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;788,015&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-bottom: 4pt; padding-left: 5.4pt;"&gt;&amp;#160;Income (loss) from discontinued operations before income taxes&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;1,145,118&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td
 style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(38,207&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;</fpay:ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementTableTextBlock>
<us-gaap:PropertyPlantAndEquipmentTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="text-align: justify; font: 10pt times new roman, times, serif; margin: 0px;"&gt;&lt;/p&gt;&lt;table style="font: 10pt/normal times new roman, times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: center;"&gt;Estimated Useful Lives&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: center;" colspan="2"&gt;December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: center;" colspan="2"&gt;December 31, 2013&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 25%; text-align: left;"&gt;Furniture and fixtures&lt;/td&gt;&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 9%; text-align: center;"&gt;2-5 years&lt;/td&gt;&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 9%; text-align: right;"&gt;99,982&lt;/td&gt;&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 9%; text-align: right;"&gt;64,945&lt;/td&gt;&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left;"&gt;Website and internal use software&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center;"&gt;&amp;#160;&amp;#160;3 years&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;1,017,103&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;-&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;Computers and software&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: center;"&gt;3-7 years&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: right;"&gt;355,213&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: right;"&gt;251,525&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;1,472,298&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;316,470&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;Less: accumulated depreciation and amortization&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: right;"&gt;(420,601&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;)&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 1.5pt solid; text-align: right;"&gt;(258,391&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; text-align: left;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 4pt double; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="border-bottom: black 4pt double; text-align: right;"&gt;1,051,697&lt;/td&gt;&lt;td style="padding-bottom: 4pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="border-bottom: black 4pt double; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="border-bottom: black 4pt double; text-align: right;"&gt;58,079&lt;/td&gt;&lt;td style="padding-bottom: 4pt; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</us-gaap:PropertyPlantAndEquipmentTextBlock>
<us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 5pt 0px 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;Weighted average exercise price&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;Weighted average contractual term&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;Aggregate intrinsic value&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;Number of shares&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 815px;"&gt;Outstanding at January 1, 2014&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;0.85&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;4.05&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;295,553&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;3,015,000&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td&gt;Granted&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;$&lt;/td&gt;&lt;td style="text-align: right;"&gt;0.80&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;9.43&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;1,121,000&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td&gt;Canceled&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;$&lt;/td&gt;&lt;td style="text-align: right;"&gt;0.46&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;7.50&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;(347,667&lt;/td&gt;&lt;td style="text-align: left;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;Exercised&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;0.35&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;8.45&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;(33,333&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="padding-bottom: 4pt;"&gt;Outstanding at December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;0.87&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;5.30&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;757,650&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;3,755,000&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td
 style="text-align: left; padding-bottom: 4pt;"&gt;Vested and exercisable at December 31, 2014&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;0.89&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;4.74&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;757,650&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;3,314,999&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;Vested and exercisable at December 31, 2014 and expected to vest thereafter&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;0.89&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;5.30&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;757,650&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;3,704,400&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock>
<us-gaap:ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal calibri, helvetica, sans-serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="line-height: 14.26px; padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 14.26px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="line-height: 14.26px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Exercise price&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;$0.75 to $0.90&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 14.26px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Expected life&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;6 years&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 1403.81px; line-height: 14.26px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Expected volatility&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 16px; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 109px; text-align: right; line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;37%&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 15px; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 14.26px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Dividend yield&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;0&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="line-height: 14.26px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Risk-free interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;1.64% to 2.70%&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 14.26px;"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</us-gaap:ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock>
<fpay:ScheduleOfWarrantsValuationAssumptionTableTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal calibri, helvetica, sans-serif; width: 1567px; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="line-height: 14.26px; background-color: #cceeff;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Exercise price&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px; background-color: #cceeff;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px; background-color: #cceeff;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px; background-color: #cceeff;" colspan="2"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;1.10&lt;/font&gt;&lt;/td&gt;&lt;td nowrap="nowrap" style="text-align: right; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 14.26px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Term&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px;" colspan="3"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;4 years&lt;/font&gt;&lt;/td&gt;&lt;td nowrap="nowrap" style="text-align: right; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="line-height: 14.26px; background-color: #cceeff;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Expected volatility&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px; background-color: #cceeff;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 14.26px; background-color: #cceeff;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 14.26px; background-color: #cceeff;" colspan="2"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;37%&lt;/font&gt;&lt;/td&gt;&lt;td nowrap="nowrap" style="text-align: right; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 1411px; line-height: 14.26px; vertical-align: bottom; background-color: white;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Dividend yield&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 16px; text-align: right; line-height: 14.26px; vertical-align: bottom; background-color: white;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; line-height: 14.26px; vertical-align: bottom; background-color: white;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 94px; text-align: right; line-height: 14.26px; vertical-align: bottom; background-color: white;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;0&lt;/font&gt;&lt;/td&gt;&lt;td nowrap="nowrap" style="width: 15px; text-align: right; line-height: 14.26px; vertical-align: bottom; background-color: white;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 15px; line-height: 14.26px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="font: 13.33px/14.26px calibri, helvetica, sans-serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; vertical-align: bottom; white-space: normal; widows: 1; background-color: #cceeff; -webkit-text-stroke-width: 0px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;Risk-free interest rate&lt;/font&gt;&lt;/td&gt;&lt;td style="font: 13.33px/14.26px calibri, helvetica, sans-serif; text-align: right; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; vertical-align: bottom; white-space: normal; widows: 1; background-color: #cceeff; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="font: 13.33px/14.26px calibri, helvetica, sans-serif; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; vertical-align: bottom; white-space: normal; widows: 1; background-color: #cceeff; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="font: 13.33px/14.26px calibri, helvetica, sans-serif; text-align: right; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; vertical-align: bottom; white-space: normal; widows: 1; background-color: #cceeff; -webkit-text-stroke-width: 0px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;.09&lt;/font&gt;&lt;/td&gt;&lt;td nowrap="nowrap" style="font: 13.33px/14.26px calibri, helvetica, sans-serif; text-align: right; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; vertical-align: bottom; widows: 1; background-color: #cceeff; -webkit-text-stroke-width: 0px;"&gt;&lt;font style="font: 10pt/15.33px 'times new roman', times, serif; font-stretch: normal;"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</fpay:ScheduleOfWarrantsValuationAssumptionTableTextBlock>
<fpay:ScheduleOfStockWarrantsTableTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="line-height: 15.33px;" colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="2"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Weighted Average&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="2"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Exercise&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;" colspan="2"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Number&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Remaining&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="text-align: center; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Price&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Outstanding&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;Contractual Life&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 32px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 439px; text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 32px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 32px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 31px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 438px; text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 31px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 31px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 462.81px; line-height: 15.33px; padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 31px; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;1.10&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;1,342,500&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;3 years&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;1.00&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;2,000,004&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;6 years&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;0.55&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;1,773,027&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; padding-left: 5.4pt;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&amp;#160;7 years&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; border-bottom-color: black; border-bottom-width:
 4.5pt; border-bottom-style: double;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;5,115,531&lt;/font&gt;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; line-height: 15.33px; padding-left: 5.4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="line-height: 15.33px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fpay:ScheduleOfStockWarrantsTableTextBlock>
<us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;table style="font: 10pt/normal times new roman, times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;2014&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;2013&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="width: 76%; text-align: left;"&gt;Federal tax benefit at statutory rate&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;(1,657,000&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;)&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;(235,000&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left;"&gt;State tax benefit, net of federal tax&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(61,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(10,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left;"&gt;Permanent differences&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;(38,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;)&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;5,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;Increase in valuation allowance&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;1,298,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;240,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;Benefit for income taxes&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(458,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;</us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock>
<us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal times new roman, times, serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&amp;#160;&lt;/p&gt;
&lt;table style="font: 10pt/normal times new roman, times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;2014&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;2013&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left;"&gt;Deferred tax assets:&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="width: 76%; text-align: left;"&gt;Equity based compensation&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;229,000&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;$&lt;/td&gt;
&lt;td style="width: 9%; text-align: right;"&gt;102,000&lt;/td&gt;
&lt;td style="width: 1%; text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left;"&gt;Allowance for doubtful accounts&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;552,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;1,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left;"&gt;Lease merchandise&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;582,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;Net operating loss carry-forwards&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;1,680,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;1,660,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left;"&gt;Gross deferred tax assets&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;3,043,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;1,763,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;Valuation allowance&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;(3,042,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;)&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;(1,744,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left;"&gt;Net deferred tax assets&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;1,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;19,000&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left;"&gt;Deferred tax liabilities:&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;Fixed assets&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;(1,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;)&lt;/td&gt;
&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;(19,000&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;)&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td
 style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;-&lt;/td&gt;
&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;</us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
<us-gaap:ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;/p&gt;&lt;table align="center" style="font: 10pt/normal 'times new roman', times, serif; width: 571.33px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 12px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 390px; text-align: left;"&gt;2015&lt;/td&gt;&lt;td style="width: 12.66px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 12.66px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 14px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 117.33px; text-align: right;"&gt;118,000&lt;/td&gt;&lt;td style="width: 12.66px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;2016&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;121,500&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;2017&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;125,300&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;2018&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;129,000&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;2019&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;77,000&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;570,800&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock>
<us-gaap:EffectOfFourthQuarterEventsTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; text-align: justify; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&amp;#160;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;u&gt;&lt;/u&gt;&lt;/td&gt;&lt;td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;Quarter Ended&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt; font-weight: bold;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt; font-weight: bold;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; font-weight: bold; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; font-weight: bold; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;&lt;b&gt;Amount&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt; font-weight: bold;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="width: 24px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 1216px; text-align: left;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;March 31&lt;/font&gt;&lt;/td&gt;&lt;td style="width: 24px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 24px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 24px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 230px; text-align: right;"&gt;158,529&lt;/td&gt;&lt;td style="width: 25px; text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;June 30&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;233,751&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&lt;font style="font: 10pt/normal 'times new roman', times, serif; font-stretch: normal;"&gt;September 30&lt;/font&gt;&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;235,366&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;627,646&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</us-gaap:EffectOfFourthQuarterEventsTextBlock>
<us-gaap:RestatementToPriorYearIncomeTextBlock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;&lt;p style="font: 10pt/normal 'times new roman', times, serif; margin: 0px; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; white-space: normal; widows: 1; font-stretch: normal; -webkit-text-stroke-width: 0px;"&gt;&lt;/p&gt;&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 1567px; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" cellspacing="0" cellpadding="0"&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td style="text-align: center;"&gt;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="10"&gt;Quarter Ended:&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom;"&gt;&lt;td&gt;Net loss:&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;March 31,&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;June 30,&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: center; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;" colspan="2"&gt;September 30,&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="width: 995.81px; padding-left: 5.4pt;"&gt;As previously reported&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 142px; text-align: right;"&gt;(1,201,375&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;)&lt;/td&gt;&lt;td style="width: 16px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 16px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;(1,244,069&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;)&lt;/td&gt;&lt;td style="width: 15px;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;$&lt;/td&gt;&lt;td style="width: 141px; text-align: right;"&gt;(1,364,623&lt;/td&gt;&lt;td style="width: 15px; text-align: left;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;Adjustment&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;158,529&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;233,751&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;235,366&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="padding-bottom: 4pt; padding-left: 5.4pt;"&gt;As adjusted&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(1,042,846&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(1,010,318&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(1,129,257&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="text-align: left; padding-left: 5.4pt;"&gt;Basic and diluted loss per common share:&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="padding-left: 5.4pt;"&gt;As previously reported&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;$&lt;/td&gt;&lt;td style="text-align: right;"&gt;(0.05&lt;/td&gt;&lt;td style="text-align: left;"&gt;)&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;$&lt;/td&gt;&lt;td style="text-align: right;"&gt;(0.05&lt;/td&gt;&lt;td style="text-align: left;"&gt;)&lt;/td&gt;&lt;td&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left;"&gt;$&lt;/td&gt;&lt;td style="text-align: right;"&gt;(0.04&lt;/td&gt;&lt;td style="text-align: left;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: white;"&gt;&lt;td style="padding-bottom: 1.5pt; padding-left: 5.4pt;"&gt;Adjustment&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;0.01&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;0.01&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 1.5pt; border-bottom-style: solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 1.5pt;
 border-bottom-style: solid;"&gt;0.01&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 1.5pt;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;&lt;td style="padding-bottom: 4pt; padding-left: 5.4pt;"&gt;As adjusted&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(0.04&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(0.04&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;&lt;td style="padding-bottom: 4pt;"&gt;&amp;#160;&lt;/td&gt;&lt;td style="text-align: left; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;$&lt;/td&gt;&lt;td style="text-align: right; border-bottom-color: black; border-bottom-width: 4pt; border-bottom-style: double;"&gt;(0.03&lt;/td&gt;&lt;td style="text-align: left; padding-bottom: 4pt;"&gt;)&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:RestatementToPriorYearIncomeTextBlock>
<us-gaap:LimitedLiabilityCompanyLLCOrLimitedPartnershipLPManagingMemberOrGeneralPartnerOwnershipInterest contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="pure" decimals="2">1.00</us-gaap:LimitedLiabilityCompanyLLCOrLimitedPartnershipLPManagingMemberOrGeneralPartnerOwnershipInterest>
<us-gaap:AccountsReceivableGross contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">119</us-gaap:AccountsReceivableGross>
<us-gaap:AccountsReceivableGross contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">1509736</us-gaap:AccountsReceivableGross>
<us-gaap:AllowanceForDoubtfulAccountsReceivable contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" xsi:nil="true"/>
<us-gaap:AllowanceForDoubtfulAccountsReceivable contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">1380902</us-gaap:AllowanceForDoubtfulAccountsReceivable>
<us-gaap:AccountsReceivableNet contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">119</us-gaap:AccountsReceivableNet>
<us-gaap:AccountsReceivableNet contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">128834</us-gaap:AccountsReceivableNet>
<us-gaap:CapitalLeasedAssetsGross contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">8128</us-gaap:CapitalLeasedAssetsGross>
<us-gaap:CapitalLeasedAssetsGross contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">6929509</us-gaap:CapitalLeasedAssetsGross>
<us-gaap:CapitalLeasesLesseeBalanceSheetAssetsByMajorClassAccumulatedDeprecation contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">124</us-gaap:CapitalLeasesLesseeBalanceSheetAssetsByMajorClassAccumulatedDeprecation>
<us-gaap:CapitalLeasesLesseeBalanceSheetAssetsByMajorClassAccumulatedDeprecation contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">2160591</us-gaap:CapitalLeasesLesseeBalanceSheetAssetsByMajorClassAccumulatedDeprecation>
<us-gaap:CapitalLeasesBalanceSheetAssetsByMajorClassNet contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">8004</us-gaap:CapitalLeasesBalanceSheetAssetsByMajorClassNet>
<us-gaap:CapitalLeasesBalanceSheetAssetsByMajorClassNet contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">4241918</us-gaap:CapitalLeasesBalanceSheetAssetsByMajorClassNet>
<fpay:CapitalLeasesImpairmentReserve contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" xsi:nil="true"/>
<fpay:CapitalLeasesImpairmentReserve contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">527000</fpay:CapitalLeasesImpairmentReserve>
<us-gaap:FiniteLivedIntangibleAssetsGross contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">30760</us-gaap:FiniteLivedIntangibleAssetsGross>
<us-gaap:FiniteLivedIntangibleAssetsGross contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">30760</us-gaap:FiniteLivedIntangibleAssetsGross>
<us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" xsi:nil="true"/>
<us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">4268</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
<us-gaap:FiniteLivedIntangibleAssetsNet contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">30760</us-gaap:FiniteLivedIntangibleAssetsNet>
<us-gaap:FiniteLivedIntangibleAssetsNet contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">26492</us-gaap:FiniteLivedIntangibleAssetsNet>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="shares" decimals="INF">8185282</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_WarrantMember" unitRef="shares" decimals="INF">3342504</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_StockOptionMember" unitRef="shares" decimals="INF">2923205</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00_StatementClassOfStockAxis_ConvertiblePreferredStockMember" unitRef="shares" decimals="INF">1919573</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="shares" decimals="INF">10855378</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_WarrantMember" unitRef="shares" decimals="INF">5115531</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_StockOptionMember" unitRef="shares" decimals="INF">3755000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_StatementClassOfStockAxis_ConvertiblePreferredStockMember" unitRef="shares" decimals="INF">1984870</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:FiniteLivedIntangibleAssetsAmortizationMethod contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">Straight line method</us-gaap:FiniteLivedIntangibleAssetsAmortizationMethod>
<us-gaap:RevenueOtherFinancialServices contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">38000</us-gaap:RevenueOtherFinancialServices>
<us-gaap:AdvertisingExpense contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">885000</us-gaap:AdvertisingExpense>
<us-gaap:ImpairmentChargeOnReclassifiedAssets contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">527000</us-gaap:ImpairmentChargeOnReclassifiedAssets>
<us-gaap:FiniteLivedIntangibleAssetUsefulLife contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">P10Y</us-gaap:FiniteLivedIntangibleAssetUsefulLife>
<fpay:RevenueRecognition contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">Through a 90 day same as cash option or through payments of all required lease payments generally 52 weeks, for ownership.</fpay:RevenueRecognition>
<fpay:FlexibleOptionsToObtainOwnershipDescription contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">Customers have the option to cancel the agreement in accordance with lease terms and return the merchandise. Accordingly, customer agreements are accounted for as operating leases with lease revenues recognized in the month they are due on the accrual basis of accounting. Merchandise sales revenue is recognized when the customer exercises the purchase option and pays the purchase price. Revenue from processing fees earned upon exercise by the customer of the 90 day purchase option is recorded upon recognition of the related merchandise sales.</fpay:FlexibleOptionsToObtainOwnershipDescription>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationAccountsNotesAndLoansReceivableNet contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">4966338</us-gaap:DisposalGroupIncludingDiscontinuedOperationAccountsNotesAndLoansReceivableNet>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationAccountsNotesAndLoansReceivableNet contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">6500</us-gaap:DisposalGroupIncludingDiscontinuedOperationAccountsNotesAndLoansReceivableNet>
<fpay:DisposalGroupIncludingDiscontinuedOperationEarnedButUncollectedFees contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">141077</fpay:DisposalGroupIncludingDiscontinuedOperationEarnedButUncollectedFees>
<fpay:DisposalGroupIncludingDiscontinuedOperationEarnedButUncollectedFees contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" xsi:nil="true"/>
<fpay:DisposalGroupIncludingDiscontinuedOperationDueFromClient contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">256313</fpay:DisposalGroupIncludingDiscontinuedOperationDueFromClient>
<fpay:DisposalGroupIncludingDiscontinuedOperationDueFromClient contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" xsi:nil="true"/>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationAccountsPayableCurrent contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">26966</us-gaap:DisposalGroupIncludingDiscontinuedOperationAccountsPayableCurrent>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationAccountsPayableCurrent contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" xsi:nil="true"/>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationAccruedLiabilitiesCurrent contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">51719</us-gaap:DisposalGroupIncludingDiscontinuedOperationAccruedLiabilitiesCurrent>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationAccruedLiabilitiesCurrent contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">7626</us-gaap:DisposalGroupIncludingDiscontinuedOperationAccruedLiabilitiesCurrent>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationOtherCurrentLiabilities contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">3240942</us-gaap:DisposalGroupIncludingDiscontinuedOperationOtherCurrentLiabilities>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationOtherCurrentLiabilities contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" xsi:nil="true"/>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationDeferredRevenueCurrent contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">12328</us-gaap:DisposalGroupIncludingDiscontinuedOperationDeferredRevenueCurrent>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationDeferredRevenueCurrent contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" xsi:nil="true"/>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationRevenue contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">2364128</us-gaap:DisposalGroupIncludingDiscontinuedOperationRevenue>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationRevenue contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">735357</us-gaap:DisposalGroupIncludingDiscontinuedOperationRevenue>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationInterestExpense contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">-385918</us-gaap:DisposalGroupIncludingDiscontinuedOperationInterestExpense>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationInterestExpense contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">-109878</us-gaap:DisposalGroupIncludingDiscontinuedOperationInterestExpense>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationOperatingExpense contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">-1953814</us-gaap:DisposalGroupIncludingDiscontinuedOperationOperatingExpense>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationOperatingExpense contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">-446733</us-gaap:DisposalGroupIncludingDiscontinuedOperationOperatingExpense>
<us-gaap:OtherIncome contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" xsi:nil="true"/>
<us-gaap:OtherIncome contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">153453</us-gaap:OtherIncome>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationOtherIncome contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">-38207</us-gaap:DisposalGroupIncludingDiscontinuedOperationOtherIncome>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationOtherIncome contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">357103</us-gaap:DisposalGroupIncludingDiscontinuedOperationOtherIncome>
<us-gaap:GainsLossesOnSalesOfAssets contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" xsi:nil="true"/>
<us-gaap:GainsLossesOnSalesOfAssets contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">788015</us-gaap:GainsLossesOnSalesOfAssets>
<us-gaap:IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">-38207</us-gaap:IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest>
<us-gaap:IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">1145118</us-gaap:IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest>
<fpay:DisposalGroupIncludingDiscontinuedOperationProvisionForCreditLosses contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">-62603</fpay:DisposalGroupIncludingDiscontinuedOperationProvisionForCreditLosses>
<fpay:DisposalGroupIncludingDiscontinuedOperationProvisionForCreditLosses contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="-3">24904000</fpay:DisposalGroupIncludingDiscontinuedOperationProvisionForCreditLosses>
<fpay:DisposalGroupIncludingDiscontinuedOperationNetFinanceRevenues contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">1915607</fpay:DisposalGroupIncludingDiscontinuedOperationNetFinanceRevenues>
<fpay:DisposalGroupIncludingDiscontinuedOperationNetFinanceRevenues contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">650383</fpay:DisposalGroupIncludingDiscontinuedOperationNetFinanceRevenues>
<us-gaap:DisposalGroupIncludingDiscontinuedOperationDescriptionAndTimingOfDisposal contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">The purchase price for the Anchor Assets was equal to (1) approximately $4,445,000 which represented 110% of the total funds outstanding associated with the Portfolio Accounts which resulted in a gain of approximately $445,000 plus (2) an amount equal to 50% of the factoring fee and interest income earned by the Portfolio Accounts during the 12 month period following acquisition</us-gaap:DisposalGroupIncludingDiscontinuedOperationDescriptionAndTimingOfDisposal>
<us-gaap:PaymentsForPurchaseOfOtherAssets1 contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">4445000</us-gaap:PaymentsForPurchaseOfOtherAssets1>
<us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">4445000</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
<fpay:DisposalGroupIncludingDiscontinuedOperationEarnoutPayments contextRef="Context_3ME_01_Jul_2014T00_00_00_TO_30_Sep_2014T00_00_00" unitRef="USD" decimals="0">342541</fpay:DisposalGroupIncludingDiscontinuedOperationEarnoutPayments>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">316470</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00_PropertyPlantAndEquipmentByTypeAxis_FurnitureAndFixturesMember" unitRef="USD" decimals="0">64945</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00_PropertyPlantAndEquipmentByTypeAxis_ComputersAndSoftwareMember" unitRef="USD" decimals="0">251525</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00_PropertyPlantAndEquipmentByTypeAxis_WebsiteAndInternalUseSoftwareMember" unitRef="USD" xsi:nil="true"/>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">1472298</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_PropertyPlantAndEquipmentByTypeAxis_FurnitureAndFixturesMember" unitRef="USD" decimals="0">99982</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_PropertyPlantAndEquipmentByTypeAxis_ComputersAndSoftwareMember" unitRef="USD" decimals="0">355213</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_PropertyPlantAndEquipmentByTypeAxis_WebsiteAndInternalUseSoftwareMember" unitRef="USD" decimals="0">1017103</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">258391</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">420601</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
<us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_PropertyPlantAndEquipmentByTypeAxis_WebsiteAndInternalUseSoftwareMember">P3Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
<us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_PropertyPlantAndEquipmentByTypeAxis_FurnitureAndFixturesMember_RangeAxis_MinimumMember">P2Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
<us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_RangeAxis_MaximumMember_PropertyPlantAndEquipmentByTypeAxis_FurnitureAndFixturesMember">P5Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
<us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_PropertyPlantAndEquipmentByTypeAxis_ComputersAndSoftwareMember_RangeAxis_MinimumMember">P3Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
<us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_PropertyPlantAndEquipmentByTypeAxis_ComputersAndSoftwareMember_RangeAxis_MaximumMember">P7Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
<us-gaap:DepreciationDepletionAndAmortization contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">38326</us-gaap:DepreciationDepletionAndAmortization>
<us-gaap:DepreciationDepletionAndAmortization contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">162210</us-gaap:DepreciationDepletionAndAmortization>
<us-gaap:DebtInstrumentFaceAmount contextRef="Context_As_Of_19_Mar_2014T00_00_00_TO_19_Mar_2014T00_00_00" unitRef="USD" decimals="0">1000000</us-gaap:DebtInstrumentFaceAmount>
<us-gaap:DebtInstrumentFaceAmount contextRef="Context_As_Of_19_Mar_2014T00_00_00_TO_19_Mar_2014T00_00_00_RelatedPartyTransactionsByRelatedPartyAxis_MorryRubinMember_ShortTermDebtTypeAxis_LineOfCreditPromissoryNoteMember" unitRef="USD" decimals="0">500000</us-gaap:DebtInstrumentFaceAmount>
<us-gaap:DebtInstrumentFaceAmount contextRef="Context_As_Of_19_Mar_2014T00_00_00_TO_19_Mar_2014T00_00_00_RelatedPartyTransactionsByRelatedPartyAxis_MajorShareholderMember_ShortTermDebtTypeAxis_LineOfCreditPromissoryNoteMember" unitRef="USD" decimals="0">500000</us-gaap:DebtInstrumentFaceAmount>
<us-gaap:DebtInstrumentInterestRateStatedPercentage contextRef="Context_As_Of_19_Mar_2014T00_00_00_TO_19_Mar_2014T00_00_00" unitRef="pure" decimals="2">0.10</us-gaap:DebtInstrumentInterestRateStatedPercentage>
<us-gaap:DebtInstrumentInterestRateStatedPercentage contextRef="Context_As_Of_08_Dec_2014T00_00_00_TO_08_Dec_2014T00_00_00" unitRef="pure" decimals="2">0.15</us-gaap:DebtInstrumentInterestRateStatedPercentage>
<us-gaap:DebtInstrumentPeriodicPaymentInterest contextRef="Context_Custom_01_Dec_2014T00_00_00_TO_08_Dec_2014T00_00_00" unitRef="USD" decimals="-3">7083000</us-gaap:DebtInstrumentPeriodicPaymentInterest>
<us-gaap:DebtInstrumentConvertibleConversionPrice1 contextRef="Context_As_Of_19_Mar_2014T00_00_00_TO_19_Mar_2014T00_00_00" unitRef="USD_per_Share" decimals="2">0.55</us-gaap:DebtInstrumentConvertibleConversionPrice1>
<fpay:NumberOfPromissoryNotes contextRef="Context_Custom_03_Mar_2014T00_00_00_TO_19_Mar_2014T00_00_00" unitRef="Promissory_Note" decimals="INF">2</fpay:NumberOfPromissoryNotes>
<us-gaap:PreferredStockDividendRatePercentage contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_StatementClassOfStockAxis_SeriesOneConvertiblePreferredStockMember" unitRef="pure" decimals="4">0.0800</us-gaap:PreferredStockDividendRatePercentage>
<us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardGross contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="shares" decimals="INF">2500000</us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardGross>
<us-gaap:StockIssuedDuringPeriodSharesIssuedForServices contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="shares" decimals="INF">14493</us-gaap:StockIssuedDuringPeriodSharesIssuedForServices>
<us-gaap:DebtConversionOriginalDebtAmount1 contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_SubsidiarySaleOfStockAxis_PrivatePlacementMember" unitRef="USD" decimals="0">500000</us-gaap:DebtConversionOriginalDebtAmount1>
<us-gaap:DebtConversionConvertedInstrumentSharesIssued1 contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_SubsidiarySaleOfStockAxis_PrivatePlacementMember" unitRef="shares" decimals="INF">1818182</us-gaap:DebtConversionConvertedInstrumentSharesIssued1>
<us-gaap:DebtConversionConvertedInstrumentAmount1 contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_SubsidiarySaleOfStockAxis_PrivatePlacementMember" unitRef="USD" decimals="0">1000000</us-gaap:DebtConversionConvertedInstrumentAmount1>
<us-gaap:PreferredStockConversionBasis contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">34,168 preferred shares were converted into 194,758 common shares.</us-gaap:PreferredStockConversionBasis>
<us-gaap:CommonStockVotingRights contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">The Company's Common Stock and has voting rights of 5.877 common shares. The holder of the Series 1 Convertible Preferred Stock has the option to convert the shares to Common Stock at any time. Upon conversion, all accumulated and unpaid dividends were to be paid as additional shares of Common Stock.</us-gaap:CommonStockVotingRights>
<us-gaap:SharePrice contextRef="Context_As_Of_31_Oct_2014T00_00_00_TO_31_Oct_2014T00_00_00_SubsidiarySaleOfStockAxis_PrivatePlacementMember" unitRef="USD_per_Share" decimals="3">0.055</us-gaap:SharePrice>
<fpay:PreferredStockConvertedIntoCommonStock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_StatementClassOfStockAxis_SeriesOneConvertiblePreferredStockMember">5.1 shares</fpay:PreferredStockConvertedIntoCommonStock>
<fpay:PreferredStockConvertedIntoCommonStock contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_StatementClassOfStockAxis_SeriesAPreferredStockMember">5.8 shares</fpay:PreferredStockConvertedIntoCommonStock>
<fpay:RestrictedCommonStockPerShare contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD_per_Share" decimals="2">0.40</fpay:RestrictedCommonStockPerShare>
<fpay:WarrantsToPurchaseCommonStock contextRef="Context_6ME_02_May_2014T00_00_00_TO_31_Oct_2014T00_00_00_SubsidiarySaleOfStockAxis_PrivatePlacementMember" unitRef="shares" decimals="0">1773027</fpay:WarrantsToPurchaseCommonStock>
<fpay:OfferingPrice contextRef="Context_6ME_02_May_2014T00_00_00_TO_31_Oct_2014T00_00_00_SubsidiarySaleOfStockAxis_PrivatePlacementMember" unitRef="USD_per_Share" decimals="2">0.55</fpay:OfferingPrice>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">0.85</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">0.87</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">0.80</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">0.46</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">0.35</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">0.89</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2 contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">P2Y6M</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2 contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember">P4Y18D</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1 contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember">P5Y3M18D</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="0">295553</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="0">757650</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="0">757650</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="INF">3015000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="INF">3755000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="INF">1121000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="INF">-347667</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="0">3704400</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber>
<fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableWeightedAverageExercisePrice contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD_per_Share" decimals="2">0.89</fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableWeightedAverageExercisePrice>
<fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantedWeightedAverageRemainingContractualTerm contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember">P9Y5M5D</fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantedWeightedAverageRemainingContractualTerm>
<fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsCanceledWeightedAverageRemainingContractualTerm contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember">P7Y6M</fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsCanceledWeightedAverageRemainingContractualTerm>
<fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisedWeightedAverageRemainingContractualTerm contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember">P8Y5M12D</fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisedWeightedAverageRemainingContractualTerm>
<fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember">P5Y3M18D</fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm>
<fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableWeightedAverageRemainingContractualTerm contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember">P4Y8M27D</fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableWeightedAverageRemainingContractualTerm>
<fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableAggregateIntrinsicValue contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="USD" decimals="0">757650</fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableAggregateIntrinsicValue>
<fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableNumber contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="shares" decimals="0">3314999</fpay:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePrice contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember_RangeAxis_MaximumMember" unitRef="USD_per_Share" decimals="2">0.90</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePrice>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePrice contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember_RangeAxis_MinimumMember" unitRef="USD_per_Share" decimals="2">0.75</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePrice>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1 contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember">P6Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="pure" decimals="2">0.37</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember" unitRef="pure" decimals="2">0.00</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember_RangeAxis_MaximumMember" unitRef="pure" decimals="4">0.0270</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_AwardTypeAxis_EmployeeStockOptionMember_RangeAxis_MinimumMember" unitRef="pure" decimals="4">0.0164</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized contextRef="Context_As_Of_31_Jan_2007T00_00_00_TO_31_Jan_2007T00_00_00_PlanNameAxis_OmnibusEquityCompensationPlanMember" unitRef="shares" decimals="INF">2100000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized contextRef="Context_As_Of_31_Oct_2009T00_00_00_TO_31_Oct_2009T00_00_00_PlanNameAxis_OmnibusEquityCompensationPlanMember" unitRef="shares" decimals="INF">4200000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod contextRef="Context_Custom_01_Mar_2014T00_00_00_TO_24_Mar_2014T00_00_00_TitleOfIndividualAxis_OfficerAndDirectorMember">P10Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod contextRef="Context_Custom_01_Jul_2014T00_00_00_TO_25_Jul_2014T00_00_00_TitleOfIndividualAxis_DirectorMember">P10Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod contextRef="Context_Custom_01_Oct_2014T00_00_00_TO_14_Oct_2014T00_00_00_TitleOfIndividualAxis_DirectorOneMember">P10Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod>
<us-gaap:StockGrantedDuringPeriodValueSharebasedCompensationGross contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">68800</us-gaap:StockGrantedDuringPeriodValueSharebasedCompensationGross>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">21666</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>
<fpay:OptionIssuedToPurchaseCommonStock contextRef="Context_Custom_01_Mar_2014T00_00_00_TO_24_Mar_2014T00_00_00_TitleOfIndividualAxis_OfficerAndDirectorMember" unitRef="shares" decimals="INF">250000</fpay:OptionIssuedToPurchaseCommonStock>
<fpay:OptionIssuedToPurchaseCommonStock contextRef="Context_Custom_01_Jul_2014T00_00_00_TO_25_Jul_2014T00_00_00_TitleOfIndividualAxis_DirectorMember" unitRef="shares" decimals="INF">180000</fpay:OptionIssuedToPurchaseCommonStock>
<fpay:OptionIssuedToPurchaseCommonStock contextRef="Context_Custom_01_Oct_2014T00_00_00_TO_14_Oct_2014T00_00_00_TitleOfIndividualAxis_DirectorOneMember" unitRef="shares" decimals="INF">180000</fpay:OptionIssuedToPurchaseCommonStock>
<fpay:UnrecognizedCompensationCostRelatedToNon-VestedOptions contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">130400</fpay:UnrecognizedCompensationCostRelatedToNon-VestedOptions>
<us-gaap:FairValueAssumptionsExercisePrice contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_ClassOfWarrantOrRightAxis_WarrantMember" unitRef="USD_per_Share" decimals="2">1.10</us-gaap:FairValueAssumptionsExercisePrice>
<us-gaap:FairValueAssumptionsExpectedTerm contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_ClassOfWarrantOrRightAxis_WarrantMember">P4Y</us-gaap:FairValueAssumptionsExpectedTerm>
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<us-gaap:ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_ClassOfWarrantOrRightAxis_WarrantMember" unitRef="shares" decimals="INF">1342500</us-gaap:ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights>
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<us-gaap:IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">1298000</us-gaap:IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance>
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<fpay:IncomeTaxReconciliationPermanentItems contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">38000</fpay:IncomeTaxReconciliationPermanentItems>
<us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">102000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost>
<us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">229000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost>
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<us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">552000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts>
<us-gaap:DeferredTaxAssetsDeferredGainOnSaleLeasebackTransaction contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" xsi:nil="true"/>
<us-gaap:DeferredTaxAssetsDeferredGainOnSaleLeasebackTransaction contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">582000</us-gaap:DeferredTaxAssetsDeferredGainOnSaleLeasebackTransaction>
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<us-gaap:DeferredTaxAssetsOperatingLossCarryforwards contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">1680000</us-gaap:DeferredTaxAssetsOperatingLossCarryforwards>
<us-gaap:DeferredTaxAssetsGross contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">1763000</us-gaap:DeferredTaxAssetsGross>
<us-gaap:DeferredTaxAssetsGross contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">3043000</us-gaap:DeferredTaxAssetsGross>
<us-gaap:DeferredTaxAssetsValuationAllowance contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">1744000</us-gaap:DeferredTaxAssetsValuationAllowance>
<us-gaap:DeferredTaxAssetsValuationAllowance contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">3042000</us-gaap:DeferredTaxAssetsValuationAllowance>
<us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">19000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
<us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">1000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
<us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment contextRef="Context_As_Of_31_Dec_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">-19000</us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment>
<us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">-1000</us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment>
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<us-gaap:DeferredTaxLiabilities contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" xsi:nil="true"/>
<us-gaap:OperatingLossCarryforwards contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_IncomeTaxAuthorityAxis_DomesticCountryMember" unitRef="USD" decimals="0">4547000</us-gaap:OperatingLossCarryforwards>
<us-gaap:OperatingLossCarryforwards contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_IncomeTaxAuthorityAxis_StateAndLocalJurisdictionMember" unitRef="USD" decimals="0">3351000</us-gaap:OperatingLossCarryforwards>
<us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="pure" decimals="2">0.34</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
<fpay:OperatingLossCarryForwardsExpirationPeriod contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">&lt;div&gt;2022 to 2034&lt;/div&gt;</fpay:OperatingLossCarryForwardsExpirationPeriod>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueCurrent contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">118000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueCurrent>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueInTwoYears contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">121500</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInTwoYears>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueInThreeYears contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">125300</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInThreeYears>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFourYears contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">129000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFourYears>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFiveYears contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">77000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFiveYears>
<us-gaap:OperatingLeasesFutureMinimumPaymentsDue contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">570800</us-gaap:OperatingLeasesFutureMinimumPaymentsDue>
<us-gaap:LeaseAndRentalExpense contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" decimals="0">58800</us-gaap:LeaseAndRentalExpense>
<us-gaap:LeaseAndRentalExpense contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">163500</us-gaap:LeaseAndRentalExpense>
<us-gaap:DescriptionOfRelatedPartyLeasingArrangements contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">This lease agreement was amended in January 2014 to reflect a 63 month term for a larger suite in an adjoining building.</us-gaap:DescriptionOfRelatedPartyLeasingArrangements>
<us-gaap:LossContingencyDamagesSoughtValue contextRef="Context_Custom_01_Oct_2010T00_00_00_TO_22_Oct_2010T00_00_00" unitRef="USD" decimals="0">485000</us-gaap:LossContingencyDamagesSoughtValue>
<us-gaap:CashIncludingDiscontinuedOperations contextRef="Context_As_Of_09_Sep_2014T00_00_00_TO_09_Sep_2014T00_00_00" unitRef="USD" decimals="0">124774</us-gaap:CashIncludingDiscontinuedOperations>
<fpay:OperatingLeasesRentExpenseMonthlyRent contextRef="Context_Custom_01_Jul_2013T00_00_00_TO_01_Aug_2013T00_00_00_StatementBusinessSegmentsAxis_FlexshopperMember" unitRef="USD" decimals="0">9600</fpay:OperatingLeasesRentExpenseMonthlyRent>
<fpay:OperatingLeasesRentExpenseMonthlyRent contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">6800</fpay:OperatingLeasesRentExpenseMonthlyRent>
<fpay:TermOfLease contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00">P39M</fpay:TermOfLease>
<us-gaap:OfficersCompensation contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00_TitleOfIndividualAxis_ChiefExecutiveOfficerMember" unitRef="USD" decimals="0">240000</us-gaap:OfficersCompensation>
<us-gaap:OfficersCompensation contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00_TitleOfIndividualAxis_FormerCheifExecutiveOfficerMember" unitRef="USD" decimals="0">85307</us-gaap:OfficersCompensation>
<us-gaap:OfficersCompensation contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_TitleOfIndividualAxis_ChiefExecutiveOfficerMember" unitRef="USD" decimals="0">240000</us-gaap:OfficersCompensation>
<us-gaap:OfficersCompensation contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_TitleOfIndividualAxis_FormerCheifExecutiveOfficerMember" unitRef="USD" decimals="0">98538</us-gaap:OfficersCompensation>
<us-gaap:DeferredCompensationArrangementWithIndividualDescription contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_TitleOfIndividualAxis_ChiefExecutiveOfficerMember">In the event Mr. Bernstein's services are terminated due to death or disability, Mr. Bernstein would receive six months' severance pay. In the event Mr. Bernstein is terminated without cause, Mr. Bernstein would receive 12 months' severance pay.</us-gaap:DeferredCompensationArrangementWithIndividualDescription>
<fpay:EmploymentAgreementExpirationDate contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00_TitleOfIndividualAxis_ChiefExecutiveOfficerMember">2016-01-31</fpay:EmploymentAgreementExpirationDate>
<fpay:PercentageOfHealthInsurancePremium contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00_TitleOfIndividualAxis_FormerCheifExecutiveOfficerMember" unitRef="pure" decimals="2">0.50</fpay:PercentageOfHealthInsurancePremium>
<us-gaap:EffectOfFourthQuarterEventsAmount contextRef="Context_3ME_01_Jan_2014T00_00_00_TO_31_Mar_2014T00_00_00" unitRef="USD" decimals="0">158529</us-gaap:EffectOfFourthQuarterEventsAmount>
<us-gaap:EffectOfFourthQuarterEventsAmount contextRef="Context_3ME_01_Apr_2014T00_00_00_TO_30_Jun_2014T00_00_00" unitRef="USD" decimals="0">233751</us-gaap:EffectOfFourthQuarterEventsAmount>
<us-gaap:EffectOfFourthQuarterEventsAmount contextRef="Context_3ME_01_Jul_2014T00_00_00_TO_30_Sep_2014T00_00_00" unitRef="USD" decimals="0">235366</us-gaap:EffectOfFourthQuarterEventsAmount>
<us-gaap:EffectOfFourthQuarterEventsAmount contextRef="Context_9ME_01_Jan_2014T00_00_00_TO_30_Sep_2014T00_00_00" unitRef="USD" decimals="0">627646</us-gaap:EffectOfFourthQuarterEventsAmount>
<us-gaap:EffectOfFourthQuarterEventsAmount contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">627646</us-gaap:EffectOfFourthQuarterEventsAmount>
<us-gaap:EarningsPerShareBasicAndDiluted contextRef="Context_3ME_01_Jan_2014T00_00_00_TO_31_Mar_2014T00_00_00_StatementScenarioAxis_ScenarioPreviouslyReportedMember" unitRef="USD_per_Share" decimals="2">-0.05</us-gaap:EarningsPerShareBasicAndDiluted>
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<us-gaap:EarningsPerShareBasicAndDiluted contextRef="Context_3ME_01_Jul_2014T00_00_00_TO_30_Sep_2014T00_00_00_StatementScenarioAxis_ScenarioPreviouslyReportedMember" unitRef="USD_per_Share" decimals="2">-0.04</us-gaap:EarningsPerShareBasicAndDiluted>
<us-gaap:EarningsPerShareBasicAndDiluted contextRef="Context_3ME_01_Jul_2014T00_00_00_TO_30_Sep_2014T00_00_00_StatementScenarioAxis_RestatementAdjustmentMember" unitRef="USD_per_Share" decimals="2">0.01</us-gaap:EarningsPerShareBasicAndDiluted>
<us-gaap:EarningsPerShareBasicAndDiluted contextRef="Context_3ME_01_Jul_2014T00_00_00_TO_30_Sep_2014T00_00_00_StatementScenarioAxis_ScenarioAdjustedMember" unitRef="USD_per_Share" decimals="2">-0.03</us-gaap:EarningsPerShareBasicAndDiluted>
<us-gaap:CapitalizedComputerSoftwareGross contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">1017104</us-gaap:CapitalizedComputerSoftwareGross>
<us-gaap:CapitalizedComputerSoftwareAccumulatedAmortization contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">103222</us-gaap:CapitalizedComputerSoftwareAccumulatedAmortization>
<us-gaap:CapitalizedComputerSoftwareNet contextRef="Context_As_Of_31_Dec_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">913822</us-gaap:CapitalizedComputerSoftwareNet>
<us-gaap:SaleOfStockPricePerShare contextRef="Context_As_Of_06_Mar_2015T00_00_00_TO_06_Mar_2015T00_00_00_SubsequentEventTypeAxis_SubsequentEventMember" unitRef="USD_per_Share" decimals="2">0.55</us-gaap:SaleOfStockPricePerShare>
<us-gaap:ConvertibleDebtFairValueDisclosures contextRef="Context_As_Of_06_Mar_2015T00_00_00_TO_06_Mar_2015T00_00_00_SubsequentEventTypeAxis_SubsequentEventMember" unitRef="USD" decimals="0">25000000</us-gaap:ConvertibleDebtFairValueDisclosures>
<us-gaap:ConvertiblePreferredStockTermsOfConversion contextRef="Context_Custom_02_Mar_2015T00_00_00_TO_06_Mar_2015T00_00_00_SubsequentEventTypeAxis_SubsequentEventMember">Series 1 Convertible Preferred Stock is now convertible into 6.33 shares of the Company's common stock or a total of 2,166,246 common shares. as a result of the anti-dilution rights of the Preferred Stock.</us-gaap:ConvertiblePreferredStockTermsOfConversion>
<us-gaap:ProceedsFromIssuanceOfDebt contextRef="Context_Custom_02_Mar_2015T00_00_00_TO_06_Mar_2015T00_00_00_SubsequentEventTypeAxis_SubsequentEventMember" unitRef="USD" decimals="-6">100000000</us-gaap:ProceedsFromIssuanceOfDebt>
<fpay:NumberOfAuthorizedSharesIncrease contextRef="Context_As_Of_26_Mar_2015T00_00_00_TO_26_Mar_2015T00_00_00_SubsequentEventTypeAxis_SubsequentEventMember" unitRef="shares" decimals="0">100</fpay:NumberOfAuthorizedSharesIncrease>
<us-gaap:OtherOperatingActivitiesCashFlowStatement contextRef="Context_FYE_01_Jan_2013T00_00_00_TO_31_Dec_2013T00_00_00" unitRef="USD" xsi:nil="true"/>
<us-gaap:OtherOperatingActivitiesCashFlowStatement contextRef="Context_FYE_01_Jan_2014T00_00_00_TO_31_Dec_2014T00_00_00" unitRef="USD" decimals="0">4900</us-gaap:OtherOperatingActivitiesCashFlowStatement>

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<link:footnote xlink:type="resource" xlink:label="Footnote_2" xlink:role="http://www.xbrl.org/2003/role/footnote" xml:lang="en-US">Discontinued operations</link:footnote>
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