Software that enables users to perform electronic commerce transactions via mobile telephones and other mobile telecommunications devices and electronic communications networks; software that enables payment transactions such as bill payments, transfer of funds to and from others and between accounts, and purchasing transactions between customers and merchants via mobile telephones and other mobile telecommunications devices; software for processing electronic payments to and from others and credit card processing via electronic communications networks; software for transferring funds via mobile telephones and other mobile telecommunications devices and electronic communications networks; software for automated transaction authorization and authentication, settlement and fulfillment, and account verification via electronic communications networks; software for transmitting and receiving data, information and electronic and text messages to and from mobile telephones and other mobile telecommunications devices via electronic communications networks; software comprising a digital or electronic wallet for storage of payment information, personal information or electronic cash or value in a centralized database; Point of sale integration software that facilitates transactions at check-out via mobile telephones and other mobile telecommunications devices and electronic communications networks; promotional items, namely, t-shirts, sweaters, sweatshirts, shirts, jackets, wind breakers, hats, scarves, gloves, towels, lapel pins, key chains, pens, pencils, clocks, watches, cellular telephones, mugs, beverage containers, binders, post-its, mouse pads and USB memory sticks

Electronic commerce services, namely, enabling electronic commerce transactions via mobile telephones and other mobile telecommunications devices and electronic communications networks; electronic payment and financial services, namely, processing and transmission of bills and payments thereof, enabling the transfer of funds for others, and enabling purchasing transactions between customers and merchants, via mobile telephones and other mobile telecommunications devices and electronic communications networks; services relating to electronic payment processing and credit card processing via electronic communications networks; services relating to the electronic transfer of funds for others via mobile telephones and other mobile telecommunications devices and electronic communications networks; providing automated transaction authorization and authentication, settlement and fulfillment, and account verification services via electronic communications networks; services relating to the electronic transmission of data, information and electronic and text messages via mobile telephones and other mobile telecommunications devices and electronic communications networks; electronic storage of customer account data, electronic funds transfer data and electronic transaction data; clearing and reconciling financial transactions via mobile telephones and other mobile telecommunications devices and electronic communications networks; management and operation of a loyalty rewards program whereby members are offered cash back (or points that can be redeemed for merchandise) on purchases of products and services offered by participating merchants, providing memberships to the loyalty program, and advertising and promoting the goods and services of others through the loyalty rewards program; Fundraising services, namely, assisting members to achieve fundraising goals through cash rewards on purchases of products and services offered by participating merchants; management and operation of a payroll program whereby funds are deposited directly into customer accounts via mobile telephones and other mobile telecommunications devices and electronic communications networks; telecommunications services, namely, wireless telecommunication services, mobile telephone communication services, providing access to electronic communications network services and wireless telecommunication services, data transmission services, wireless e-mail and Internet browsing, global mobility and roaming services, long distance telephone services, paging services, wireless digital messaging services, and the sale of mobile telephones and other mobile telecommunications devices to the public; providing sales training programs and educational courses related to personal growth, sales and marketing, and business management