Computer application software for mobile phones that enables users to transfer payments, exchange currency, pay bills, purchase goods and withdraw currency; computer application software for use with mobile phones to provide consumer protections against fraud by creating secure instant payroll transactions for both buyer and merchant; data transmission and storage units in the nature of external hard drives and computer servers; magnetically encoded debit cards

Banking services; Currency exchange services; Currency trading; Currency transfer services; Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; financial and monetary services, namely, internet commerce services in the nature of electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the internet; electronic financial account services, namely, providing online stored value accounts in an electronic environment; prepaid banking and online cash account services; financial transaction services involving electronic processing and transmission of bill payments to online and offline retailers, merchants and content providers using cash account information stored in a centralized database; electronic funds and currency transfer services; transaction authorization and debt settlement services; cash disbursement services in connection with credit card payments; financial services, namely, funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; debit card services; issuing of debit cards; financial and monetary services, namely, financial information, management and analysis services; bill payment services; debit card services; issuing prepaid credit card, debit card and online cash account services; issuing of prepaid credit and debit cards; electronic financial account services, namely, providing on-line stored value accounts in an electronic environment; financial transaction services involving electronic processing and transmission of bill payments to online and offline retailers and merchants using cash account information stored in a centralized database, namely, bill payment services; transaction authorization and settlement services, namely, credit card transaction processing services

On-line journals, namely, blogs about business, currency, and virtual currency

Providing temporary use of online non-downloadable application software for use with mobile phones in connection with payment transfers, currency exchange, bill payments, purchasing transactions and currency withdrawals; providing temporary use of online non-downloadable application software for use with mobile phones to provide consumer protections against fraud by creating secure instant payroll transactions for both buyer and merchant