software for processing electronic payments to and from others and instructions provided therewith; software for providing secure commercial transactions and payment options using handheld computers or mobile electronic devices at a point of sale; user authentication software; authentication software, namely, software for use in authenticating user accounts; software for providing access to applications and services through handheld computers and mobile electronic devices for use in retail sales; computer software platforms for mobile electronic devices, namely, software for uploading, storing, organizing and managing personal retail card, membership card, gift card, reward card and credit/debit card information; software for managing personal retail card, membership cards, gift card, reward card and credit/debit card information through computer, mobile and data networks, and instructions therefor; software for enabling consumers to make purchases with personal retail cards, membership cards, gift cards, reward cards and credit/debit cards via handheld computers and mobile electronic devices; software for reading bar codes and QR codes

Promoting the sale of goods and services of others by providing hypertext links to the web sites and mobile applications of others; providing special offers, price comparison information, discount information and coupons for products and services for use by consumers; consumer comparison shopping services through global computer, mobile and data networks; providing databases containing consumer information relating to products, services and merchants; rating services, namely, real time on-line customized rating of businesses who offer goods and services on a global computer network; conducting surveys to compile data about businesses and consumers; providing business and market research information, namely, business and market research reports

Computer software development in the field of applications for computers, mobile phones, smart phones and portable electronic devices; application service provider, namely, hosting, managing, developing, and maintaining applications, software, and web sites, in the fields of personal productivity, wireless communication, mobile information access, mobile payments and remote data management for the delivery of information to and from computers, mobile phones, smart phones and portable electronic devices; providing price comparisons customized based on the known or estimated geographical location of Internet, mobile telephone or other wired or wireless digital network based customer users; providing non-downloadable computer software applications for managing personal retail card, membership cards, gift card, reward card and credit/debit card information, via computer, mobile and data networks; platform as a service (PAAS) featuring computer software web-based platforms for uploading, storing, organizing and managing personal retail card, membership card, gift card, reward card and credit/debit card information