Downloadable software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; Downloadable software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions; Downloadable software for providing financial insights about money management; Downloadable software for enabling processing of electronic funds transfers and payments made via ACH, credit cards, debit cards, prepaid cards, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; Downloadable software for organizing, storing, providing access to, redeeming, scanning, sharing, and providing information about goods, services, coupons, rebates, discounts, incentive programs, special offers, rewards, and consumer loyalty programs; Downloadable software for capturing, managing, and storing credit card and debit card information; Downloadable software for processing, facilitating, verifying, and authenticating mobile payments and contactless transactions with retailers, merchants, and vendors using a mobile device

Electronic payment services, namely, electronic processing of electronic funds, ACH, credit card, debit card, prepaid card, electronic checks, and electronic, mobile and online payments electronic processing of wireless wallet, mobile wallet, and electronic wallet payments; 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; Processing of credit card transactions and electronic payments using near field communication (NFC) technology-enabled devices