Computer software for encoding digital information in image and audio signals; computer software for decoding encoded digital information in image and audio signals to recover the information therefrom; computer software for encoding digital information in visual signals for reproducing the information on product packaging and packing labels; computer software for encoding digital information in product packaging design files for reproducing the information on packaging produced from the digital product packaging design files; computer software for encoding digital information in packing label files for reproducing the information on packing labels produced from the digital product packaging packing label files; computer software for decoding information from packaging and packing labels encoded with information; software for processing images, graphics and text; computer software for processing audio; Downloadable electronic data files featuring two or three dimensional bar codes; two or three dimensional data code readers; bar code readers; two or three dimensional data code scanners; bar code scanners; electronic database featuring two dimensional bar codes recorded on computer media and capable of being read by two or three dimensional code readers and scanners; computer programs for two or three dimensional bar code drawing, computer programs for bar code drawing, computer program recorded on compact disks for two dimensional bar code drawing; and computer program recorded on memory cards for two or three dimensional code drawing; downloadable mobile application for scanning and reading bar codes

Providing financial services with encoding and decoding data barcodes, namely, financial information processing; charge card verification, authorization and payment processing services; clearing and reconciling financial transactions via a global computer network; home banking; banking services over a global computer network; financial consultant; exchanging money; financing services; lease purchase financing; charitable fund raising; financial services, namely, providing bank card services, namely, electronic debit card transaction processing; commodity trading for others; processing, facilitating, verifying, and authenticating mobile and wearable device payments, and contactless financial commercial transactions with retailers, merchants, and vendors via mobile and wearable devices integrated with one, two, three dimensional barcodes and other machine readable codes; processing and administration of mobile payments and contactless financial commercial transactions with retailers, merchants, and vendors via mobile and wearable devices integrated with one, two, three dimensional barcodes and other machine readable codes; payment transaction processing services, namely, facilitating payment transactions for third parties through the use of near-field communication devices, radio frequency identification devices, EMV chip card devices, beacons, proximity sensors, wireless, bar codes, and mobile wallets; coupon and loyalty program payment processing; coupon and loyalty programs, namely, providing cash and other rebates for credit card use as part of a customer loyalty program