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; Electronic and magnetic ID cards for use in connection with payment for services; Electronic payment terminal; Holders for magnetically encoded gift cards; Multi-functional computer terminals with payment function; Multi-functional electronic payment terminals; Secure terminals for electronic transactions

Providing a web-based system and online portals in the field of consumer-to-business commerce for consumers to enter, manage and modify their consumer preference information for use by merchants to create and manage offers for delivery to consumers

Bill payment services; Bill payment services provided through a website; Credit card and payment card services; Credit card authorization services; Credit card factoring services; Credit card payment processing services; Credit card transaction processing services; Debit card services; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Electronic credit card transactions; Electronic foreign exchange payment processing; Electronic payment, namely, electronic processing and transmission of bill payment data; Electronic processing of insurance claims and payment data; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Loyalty coupon payment processing services; Loyalty program payment processing services; Merchant banking services; Merchant services, namely, payment transaction processing services; Payment processing services, namely, credit card and debit card transaction processing services; Processing electronic payments made through prepaid cards; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing information regarding policy rates for all types of insurance and electronic processing of insurance claims and payment data over a web based computer network; Providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; Wireless telephone payment services, namely, wireless mobile telephone rate plans