Downloadable computer software applications for the provision of instant refunds in any currency; Automatic teller machines (ATM), namely, automatic money processing apparatus for the delivery of money; Cash dispensers, namely, apparatus for receiving cash payments; Downloadable computer programs for financial management and processing payments; Downloadable computer programs for use in financial reporting; Downloadable computer programs for use in transmitting payment processing data relating to financial records; Downloadable computer programs relating to financial and payment matters, namely, for processing electronic payments; Downloadable software applications for facilitating instant refunds in any currency; Electronic financial transaction apparatus, namely, electronic machines for reading credit cards and debit cards and recording financial payment operations; Encoded electronic chip cards, namely, encoded cards for use in the electronic transfer of funds; Magnetically encoded debit payment cards; Credit cards, magnetically encoded; Magnetically encoded credit cards and debit cards; encoded multifunction cards for financial services, namely, encoded electronic chip cards for use in financial transactions; Magnetic multifunction cards for financial services, namely, magnetic coded cards for use in financial transactions; Electronic card readers, namely, terminals for the electronic payment of charges with credit cards; electronic card readers, namely, terminals for electronically processing credit and debit card payments; terminals for electronically processing two-dimensional matrix barcodes, namely, barcode readers

Electronic banking via a global computer network; Financial affairs and monetary affairs, namely, financial information, management and analysis services; Financial management of reimbursement payments for others; Financial risk management; Payment processing services, namely, credit card and debit card transaction processing services; Payment processing services in the field of debit card and credit card payments being instant refunds in any currency payments; Bill payment services; Credit card transaction processing services; Debit card transaction processing services; Electronic funds transfer; Electronic transfer of funds; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Financial transaction services, namely, providing secure commercial transactions and payment options; Merchant services, namely, payment transaction processing services; Processing of debit card payments; Providing financial assessment services to Merchants and Consumers; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Provision and financial administration of a debit card savings program

Software as a service (SAAS) services featuring software for the provision of instant refunds in any currency for use in ecommerce and internet shopping