Downloadable software for facilitating and managing payment transactions by collecting, storing, and transmitting consumer data and credit information for use in the financing of purchases; Downloadable software, namely, electronic financial platform that accommodates multiple types of payment transactions and payment processing in an integrated mobile phone, PDA, and web-based environment; Downloadable software in the nature of a mobile application for businesses, merchants, and retailers to enable splitting a purchase into payments and for consumers to monitor payment status; Electronic card readers; Mobile optical readers for scanning consumer identification cards; magnetically encoded credit cards

Business consulting services, namely, providing a means for businesses, merchants, and retailers to leverage consumer data and retail market trends in the area of consumer credit and payment processing; Merchant services, namely, consumer credit and risk analysis; Business information reporting services for merchants, namely, providing businesses, merchants, and retailers with consumer data to inform consumer financial decisions and purchase behaviors in the area of consumer credit and payment processing; Business analysis and business strategic planning services in the consumer financial services industry pertaining to consumer credit, Payment processing, and data regarding consumer behavior and retail market trends

Credit card services; Electronic payment services involving electronic processing and subsequent transmission of point of sale payment data; 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; Merchant services, namely, advancing funds to businesses, merchants, and retailers for payment on consumer sale transactions; Debit account services featuring a tablet-compatible mobile scanner for reading consumer bank cards at point of sale; Payment processing services in the field of point of sale retail payments; Payment processing services in the field of offline payments, namely, cash, check, remotely-created check, money order, bank transfer or wire, postal orders and signature debit transactions; Payment processing services in the field of online payments; Payment processing services, namely, credit card and debit card transaction processing services; Providing an internet website portal in the field of financial transaction and payment processing services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; Financing, analytics and payment processing services in the field of providing a payment method that allows splitting a purchase into multiple payments; Financing services; Consumer lending services; Installment financing; Consulting in the field of data analytics to improve real-time financial decisions as it pertains to consumer credit, payment processing, consumer behavior, and retail market trends

Development of new technology for others in the field of consumer payment methods; Providing temporary use of on-line non-downloadable cloud computing software for facilitating and managing payment transactions by collecting, storing, and transmitting consumer data and credit information for use in the financing of purchases; Providing temporary use of on-line non-downloadable cloud computing software that accommodates multiple types of payment transactions and payment processing in an integrated mobile phone, PDA, and web-based environment; Providing a secure electronic online system featuring technology which allows splitting payments from consumers to businesses, merchants, and retailers into multiple payments; Providing temporary use of on-line non-downloadable cloud computing software for collecting consumer financial data and processing consumer payment transactions at point-of-sale