Providing marketing services based on consumer transaction behavior; providing redemption services based on consumer transaction behavior, namely, issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services

Providing financial services, namely, mobile money transfer, mobile bill payment, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile banking, mobile purchasing in the nature of providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, and mobile payment processing, all accessed from any network provider, mobile device, internet and point-of-sale devices, for mobile network operators, financial institutions, consumer packaged goods companies and retailers