Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Point-of-sale terminals for making contactless payments

Credit card and debit card registration services; Advertising, marketing and promotion services in the field of check, credit, debit, stored value and electronic benefits transfer card transactions and payments; Customer services, namely, responding to customer's inquiries for others via telephone and email for others in the field of data processing and merchant payment solution services; Merchant services, namely, payment transaction processing services; Advertising via direct mail and e-mail; Business advisory services in the field of check, credit, debit, stored value and electronic benefits transfer card transactions and payments; Business services for others, namely, providing market analysis in the nature of business marketing database modeling, prediction and strategy and providing business marketing information services for card issuers, deposit banks, and other direct marketers; Operation of telephone call centers for others; Customer services, namely, responding to customers' inquiries for others via telephone and e-mail for others; Customer loyalty services for financial institutions and merchants for commercial, promotional and/or advertising purposes, namely, conducting incentive award programs to promote the sale of products and services of others; Promoting the sale of the goods and services of others through the distribution and processing of electronic coupons issued over a global computer network; Providing an on-line interactive database containing business and consumer information; Data processing services for others; Advertising via direct mail and e-mail for others; Business marketing consulting services; Business consulting; Correspondence processing and mailing services performed for others, namely, account statement creation, mail handling and mail sorting; Data processing services, namely, data list management via the management of encrypted customer data and computer data entry services; Customer relationship management, namely, customer care services; Telemarketing; Business consulting services, namely, consulting in the field of business operations, business issues in finance, marketing and business strategy; Consulting services in the field of customer loyalty programs; Business marketing services in the field of customer loyalty programs; Management of customer appreciation programs for others; Order fulfillment services; Data management services for use in debt collection, namely, electronic data collection and online claims management; Business risk management, namely, risk monitoring; Customer services, namely, cardholder account dispute processing services; Business management services, namely, providing customer services for customers of other companies that issue credit cards, debit cards, bank cards, smart cards, healthcare cards and electronic payment processing cards; Business services, namely, business administration and management of bankruptcy cases for others; Business services, namely, business administration and management of probate cases of others; Data processing services; Market intelligence services; Market research and market intelligence services

Payment processing services, namely, credit card and debit card transaction processing services; Credit card payment processing services; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Merchant services, namely, payment transaction processing services; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores

Providing electronic transmission of credit card transaction data and electronic payment data via a global computer network

Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; Electronic monitoring of credit card activity to detect fraud via the internet; Electronic monitoring of electronic payment transactions to detect fraud via the internet; User authentication services using technology for e-commerce transactions; Computer security services, namely, restricting unauthorized access to computer networks and websites; Data encryption services for providing security and anonymity for electronically transmitted credit card transactions; Providing on-line non-downloadable computer application software for mobile phones, namely, on-line non-downloadable software for processing credit card, debit card, and electronic payment transactions; Providing on-line non-downloadable business process management software for payment system workflows; Providing on-line non-downloadable mobile or browser computer software application for use in business-to-business payment services that allows customers to update and receive data stored in an individual's and/or enterprise's computer database in real time with full telephony integration of the telephone and Internet browser features of the mobile device; Providing on-line non-downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; Providing on-line non-downloadable computer software for the collection, editing, organizing, modifying, bookmarking, transmission, storage and sharing of data and information; Providing on-line non-downloadable computer software for processing credit card, debit card, and electronic payment transactions; Electronic monitoring of credit card activity to detect fraud via the internet; Electronic monitoring of electronic payment transactions to detect fraud via the internet; User authentication services using technology for e-commerce transactions; Computer security services, namely, restricting unauthorized access to computer networks and websites; Technical support services, namely, troubleshooting of computer software problems; Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants