Financial services provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet, namely, mobile financial transactions, mobile money transfers, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment services; Financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet.

Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with mobile banking, mobile money transfers, check cashing, ACH services, purchasing prepaid debit cards, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, electronic funds transfer, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transactions, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with stored-value cash or debit card services, namely, loading, managing, and payment processing; downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with payments, presentation of loyalty credentials and redemption of coupons, rebates, discounts, rewards, incentives and special offers and managing and transmitting customer incentive and award information to consumers; downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices; downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with facilitating financial transactions initiated through mobile devices within and between mobile participants; magnetically encoded cards, namely, debit cards, including electronic debit cards; downloadable computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; computer software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; computer software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information

Provision of information concerning commercial sales, namely, providing consumer transaction data to participating businesses with consent of consumers; providing marketing services based on consumer transaction behavior; providing redemption services based on consumer transaction behavior, namely, issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; promoting the goods and services of others by means of coupons, discounts, advertisements, through the administration of an incentive awards program via wireless network, mobile telecommunication devices, global computer network; promoting the goods and services of others by allowing users to, access online coupons, rebates, discounts, vouchers and special offers via websites, scan coupons, rebates, discounts, vouchers and special offers from printed materials, and tap on mobile phones and other mobile telecommunication devices for near field communication-enabled promotional materials and send such coupons, rebates, discounts, vouchers and special offers to mobile phones and other mobile telecommunication devices for redemption at retail or wholesale locations or virtual points of sale; providing an on-line and mobile directory of information regarding merchants who accept contactless mobile payments and promote goods and services through this channel; providing financial services for facilitating a full suite of mobile, digital loyalty and financial transactions and services through mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, electronic funds transfer, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; providing financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet. Processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; financial services, namely, providing, transmitting, processing, facilitating, verifying, and authenticating mobile payments, and contactless transactions with retailers, merchants, and vendors via mobile devices; financial services, namely, processing and administration of mobile payments and contactless transactions with retailers, merchants, and vendors via mobile devices; platform as a service (PAAS) featuring financial interchange computer software platforms for facilitating a full suite of mobile, digital loyalty and financial transactions and services through mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, electronic funds transfer, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; Platform as a Service (PAAS) featuring financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Platform as a service (PAAS) featuring processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; providing processing of pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; mobile marketing platform as a service (PAAS) featuring computer software platforms for retailers and companies to provide incentive award programs to consumers in exchange for opt-in advertising, via mobile electronic devices