downloadable computer software used to process mobile payments; downloadable computer software for use in contactless transactions via mobile devices used to process mobile payments; downloadable computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; downloadable computer software for ensuring the security of mobile payments, of contactless transactions via mobile devices, and of credit and debit card information; downloadable computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information; downloadable computer software for use in connection with consumer loyalty programs and loyalty cards used to access and use loyalty points; magnetic encoded smart cards containing programming used to process payments, loyalty points and payment cards in the nature of payment cards; smart cards encoded with security features for authentication and identification purposes; downloadable computer programs and application software for mobile phones and other digital devices comprising a digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts

Financial services, namely, providing, processing, verifying, and authenticating mobile payments, and contactless credit and debit card transactions, loyalty reward card transactions, and bill payment transactions via mobile devices; providing financial information by electronic means, namely, providing credit and debit card information; financial services, namely, processing and administration of mobile payments and contactless debit and credit card transactions, loyalty reward card transactions, and bill payment transactions; financial advisory and consultancy services; financial transaction services, namely, providing secure and commercial transactions and payment options; bill payment services; providing secure commercial transactions in the nature of financial transaction services; payment processing services, namely, debit and credit card transaction processing services; electronic payment services involving electronic processing subsequent transmission of bill payment data