Magnetically encoded cards, namely, charge cards, credit cards, debit cards, and payment cards; credit, debit, charge and payment cards containing an encoded electronic chip; credit, debit, charge and payment cards containing a blank electronic chip; computer software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunications networks; computer software for use in connection with the electronic storage, transmission, presentation, verification and authentication of credit, debit, charge and payment cards; downloadable software for use in account opening, maintaining and monitoring and in performing account transactions in the field of financials services; downloadable software in the field of financial services for the opening, maintaining, monitoring and performing of account transactions by enabling users to gain authorized access of third-party financial service

Administration of discount programs for enabling corporate participants to obtain discounts on goods and services for the benefit of the corporation through use of corporate physical and virtual credit, debit, charge and payment cards; Tracking, comparing and monitoring corporate and employee expenses for others for cost accounting purposes; Promoting the membership of physical and virtual credit, debit, charge and payment card accounts through the administration of incentive award programs; Providing incentive award programs through issuance and processing of loyalty points for purchase of a company's goods and services; Promoting the goods and services of others by awarding purchase points for physical and virtual credit, debit, charge and payment card use

Provision of an on-line expense management tool for others in the nature of providing temporary use of online non-downloadable software for transaction approval and expense management