Downloadable software for managing credit card accounts; Computer software applications for mobile devices, namely, downloadable software for use in managing online credit card accounts, electronic transmission of funds and financial transactions; downloadable software in the nature of a mobile application for users to make contactless payment transactions, namely, initiating payment transactions via a mobile telecommunications device by providing a one-time electronic security token as a substitute for the user's credit, payment or debit card information; downloadable software in the nature of a mobile application for users to store and retrieve customer account information at retail or wholesale locations or virtual points of sale

Financial services, namely credit card services; Banking and financing services; Balance transfers; Balance transfers, namely credit card balance transfer to a fixed personal loan; Payment processing services, namely, credit card transaction processing services; Financial services, namely, funding online credit card accounts; Providing cash and other rebates for credit card and charge card use as part of a customer loyalty program; On-line banking services; On-line banking services featuring electronic alerts that alert credit and charge card users when a single transaction exceeds a certain amount

Providing online non-downloadable software for facilitating electronic charge card transactions; Providing online non-downloadable software for identification, management, and tracking of charge card expenses and savings; Providing a website featuring temporary use of non-downloadable software for facilitating electronic charge card transactions, and allowing users to perform electronic charge card transactions via a global computer network; Providing a website featuring temporary use of non-downloadable software for identification, management, and tracking of charge card expenses and savings; Providing online non-downloadable accounting software; Software as a service (SAAS) for facilitating electronic charge card transactions, and allowing users to perform electronic business transactions via a global computer network; Software as a service (SAAS) services featuring software for identification, management, and tracking of charge card expenses and savings, accounting and bookkeeping related to the use of charge cards, credit cards, and debit cards