Bill payment services provided via mobile applications; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; bill payment services provided via mobile phone; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile phone; wireless telephone payment services, namely, wireless mobile telephone bill payment services to third parties; banking services including home, internet and remote banking; financial services including such services provided over the internet or any other electronic network, namely, money transfer and money exchanges services and banking provided over telecommunications networks; credit card services; charge card services; providing electronic payment services, namely, electronic processing and transmission of bill payment data and electronic fund transfer services and on-line transaction facilities provided over telecommunications networks, namely, financial clearing houses; administration of transactions involving funds drawn from securities, stocks, funds, equities, bonds, cash, or other types of financial investments using a credit or debit facility over a global data telecommunications network

Telecommunication, mobile and fixed telecommunication, namely, cellular telephone communication; communication by electronic computer terminals; communication by mobile telephone; communication services namely, electronic transmission of data and documents among users of computers; transmission, delivery and reception of sound, data and images; provision of wireless application protocol services, namely, internet protocol television transmission services, voice over internet protocol services, telecommunication internet protocol services, including those utilizing a secure communications channel; broadcast or transmission of radio or television programs; electronic messaging services, namely, sending, receiving and forwarding messages in the form of text, audio, graphic images or video or a combination of these formats; unified electronic messaging services; providing telecommunications connections to computer databases, the internet or other electronic networks; providing third party users with access to telecommunications infrastructures for other operators

Software as a service (saas) namely, software that accommodates multiple types of payment and debt transactions in an integrated mobile phone and web-based environment; platform as a service (paas) namely, electronic financial platforms that accommodate multiple types of payment and debt transactions in an integrated mobile phone and web-based environment