Smartphones; Downloadable mobile application software regarding customer loyalty program and loyalty cards, featuring software for use in tracking loyalty points and making purchases with loyalty points; Consumer coupons downloaded from a global computer network; Downloadable point member cards; Downloadable mobile application software for use in connection with consumer loyalty programs and loyalty cards used to access and use loyalty points

Financial services, namely, loyalty program payment processing services in the nature of electronic processing and subsequent transmission of bill payment data generated in connection with one or more loyalty and/or rewards programs via a global connections network or mobile device; Loyalty program payment processing services; Loyalty coupon payment processing services; Providing cash and other rebates for credit card use as part of a customer loyalty program; Providing rebates at participating establishments of others through use of a membership card; Mobile and internet bill payment services; Integrated services, namely, bill payments services by mobile electronic wallet and mobile payment; Mobile internet bill payment services; issuing stored value cares; issuing of tokens of value; Membership card service for electronic purses, the foregoing limited to financing services, namely, issuance of stored value cards and tokens of value for events at participating establishment of others through the use of membership cards