Computer application software for mobile phones, portable media players, handheld computers, desktop computers, laptop computers, servers, computing systems, namely, software for information security, providing access control to accounts, account security, data encryption, and mobile identity; digital home, commercial building, and vehicle door locks

Electronic credit card transaction processing; electronic debit card transaction processing; electronic payment services, namely, electronic processing and subsequent transmission of bill payment data; providing real-time financial services through mobile telephone connections, retail point-of-sale connections and the internet, namely, electronic funds transfer, electronic payment services involving electronic processing and subsequent transmission of bill payment data, credit card and debit card transaction processing; providing electronic processing of credit and debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others; electronic transfer of financial instruments for others; payment processing services, namely, providing secure processing of payments on mobile devices, mobile phones, handheld devices, tablets, and computers; financial services, namely, electronic funds transfer via electronic communications networks; consumer lending services; financial services, namely, facilitating loans between borrowers and investors; providing financial services over a global computer network, namely, matching and connecting borrowers and investors; financial services, namely, providing loan payment services over a global computer network in the nature of electronic processing and transmission of loan payment data; financial services, namely, providing electronic transfer of a virtual currency for use by members of an on-line community via a global computer network; financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; Providing online non-downloadable internet based computer software applications for implementing information security, account security, and data encryption; data encryption services for providing security and anonymity for electronically transmitted credit card transitions; computer security services in the nature of administering digital certificates; authentication, issuance and validation of digital certificates; computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates