Non-downloadable computer application software sold exclusively to businesses to provide software as a service (SAAS) services featuring software accessed over the internet for desktop and mobile devices, mobile phones, mobile computers, laptops, desktop computers, embedded devices, tablet computers and servers, for frontend retail and employer administration, backend program administration, database management and database development, all for businesses to provide retail, corporate and banking customers access to account information and related services for credit cards, debit cards, stored payment cards and other payment methods, for transaction services like payments, loading and reloading of credit, debit, prepaid and payment cards, bill payments, money transfer, budgeting tools, loyalty programs, coupons, and other electronic transactions, for management and reporting of programs for credit cards, debit cards, stored payment cards, other payment methods and related transaction services, for transaction security measurements, analyses, approval, policy updating, reporting and evaluation, the foregoing to centralize and/or consolidate communications, transactions, rewards, reports, and other sources of processing from multiple processing, payment and transactional systems and API's into direct customer interfaces

Non-downloadable computer application software sold exclusively to businesses to provide software as a service (SAAS) services featuring software accessed over the internet for desktop and mobile devices, mobile phones, mobile computers, laptops, desktop computers, embedded devices, tablet computers and servers, for database management and database development allowing retail, corporate and banking customers to complete payment, credit and debit related transactions and for managing and reporting of information related to credit cards, debit cards and stored payment cards for transaction security purposes in order to consolidate information from multiple sources into direct customer interfaces