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 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; 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; Optical card scanners; Magnetically encoded credit cards; Downloadable software for enabling payment via virtual credit cards

Credit card registration services; Business consulting services in the field of consumer credit and payment processing; Business risk assessment services; Providing business information in the field of consumer credit and payment processing; Business data analysis services in the field of consumer financial services industry pertaining to consumer credit, payment processing, and data regarding consumer behavior and retail market trends; Business advice and information relating to loans, finance and capital; Marketing services; Membership club services in the nature of providing discounts to members in the field of consumer financial services; Business administration of consumer loyalty programs

Credit card payment processing services; Electronic payment services involving electronic processing and subsequent transmission of bill 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 banking services; Cash advance services for businesses and merchants; 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 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; Payment processing services in the field of providing a payment method that allows splitting a purchase into multiple payments; Financing services; Financial analysis; Consumer lending services; Installment loans; Financial consultation in the field of data analysis to improve real-time financial decisions as it pertains to consumer credit, payment processing, consumer behavior, and retail market trends; Credit and loan services; Financial information and advisory services; 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 payments

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 for accommodating multiple types of payment transactions and payment processing in an integrated mobile phone, PDA, and web-based environment; 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; Providing a secure electronic online system featuring technology which allows splitting payments from consumers to businesses, merchants, and retailers into multiple payments