Downloadable computer programs for filtering and blocking of voice and video calls and electronic messages, identification of telephone numbers and senders of electronic messages and for social networking on-line; computer software downloadable from the Internet for filtering and blocking of voice and video calls and electronic messages, identification of telephone numbers and senders of electronic messages and for social networking on-line; downloadable application software for computers and mobile communication units for filtering and blocking of voice and video calls and electronic messages, identification of telephone numbers and senders of electronic messages, and for social networking on-line; downloadable application software for facilitation of cloud computing services; downloadable communication software for filtering and blocking of voice and video calls and electronic messages, identification of telephone numbers and senders of electronic messages and for social networking on-line; downloadable software for processing, transmission, sending, collection, forwarding and reception of data, information, video, messages, text, calls, audio, graphics and images; downloadable computer software for filtering and blocking of telephone calls and electronic messages, identification of telephone numbers and senders of electronic messages and for social networking on-line; downloadable computer application software for providing alerts and notifications regarding potential unsolicited communications, junk communications, unsolicited communications, and potentially fraudulent communications; downloadable computer application software for filtering potential unsolicited communications, junk communications, unsolicited communications, and potentially fraudulent communications

Electronic transfer of money for others; enabling merchant transactions and e-commerce checkout services in the nature of payment transaction processing services; settlement of transactions being debt settlement services; handling pool accounts in the nature of providing banking services; providing electronic processing of electronic funds transfer and remittances, electronic check and electronic mobile payments being charge card and credit card payment processing services; electronic splitting and sharing of funds between users being electronic funds transfer by telecommunications; providing banking services including cash back rewards to customers that make incentivized purchases, providing insurance brokerage services to customers that make incentivized purchases, providing financial consulting services to customers that make incentivized purchases

Telecommunications in the nature of providing access to databases for use in spam filtering and blocking programs, phone number identification and caller ID programs, and programs containing information on top spammers; data communication services being electronic transmission of data; electronic, mobile, computerized and on-line communication services in the nature of electronic transmission of data; electronic communication services being transmission, sending, forwarding and reception of data, information, video, messages, text, calls, audio, graphics and images; providing access to databases; message collection services; Providing access to a database comprised of a community-based spam list via a mobile application; Providing access to a database in the nature of an online community-based list of spam and trusted telephone numbers; Telecommunication services, namely, providing electronic message in the proposed alerts notifying individuals of potential unsolicited communications, junk communications, unsolicited communications, and potentially fraudulent communications