Administration, billing and reconciliation of accounts on behalf of others, namely, clearing and reconciling financial transactions across a distributed network including telephones, computers and other communications devices; Providing an on-line computer web site that provides commercial financial transaction data, account management, financial reporting, accounting features and related reference information; Marketing services, namely, providing incentive award programs for customers through the issuance and processing of loyalty coupons for frequent use of participating businesses, via mobile phones or any electronic device; Business advisory, business consulting and business intelligence services in the fields of management of mobile payments, managing parking space use, as well as for marketing and loyalty programs for retailing

Providing electronic processing of credit card transactions and electronic payments via mobile phone, featuring a payment verification and confirmation service offered through mobile devices using voice, text and data transmission mechanisms; Electronic payment, namely, electronic processing and transmission of bill payment data, including parking payments; Electronic transfer of funds featuring person-to-person, business to person or person to business through mobile phones and wireless devices; Customer self-service bill payment services through wired or wireless devices; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile devices