Computer software for mobile phones and wireless devices, namely, software for use in electronic payment transactions; computer software allowing users to initiate payment transactions made by check, credit card, debit card or pre-paid card via a portable electronic device; computer software for conducting payment transactions, namely, software allowing a user to initiate a payment transaction via a wireless device by providing a one-time electronic security token as a substitute for the user's credit or debit card information; computer software for mobile devices, namely, software for banking services allowing a user to transmit an electronic capture of a check image to a financial institution for processing; and downloadable computer software for mobile banking, namely, banking and bill payment software to allow customers to access bank account information, initiate an electronic funds transfer, perform a balance inquiry, review transaction history, and initiate electronic bill payments

Software as a service (SaaS) provider featuring software for managing and reviewing payment transactions initiated from a mobile phone or wireless device; ASP and software as a service (SAAS) provider in the field of financial services for use in enabling users to receive information regarding electronic funds transfers or payments made by electronic check, credit card, debit card or pre-paid card; providing temporary use of online non-downloadable computer software in the field of financial services, namely, banking and bill payment software for customer enrollment, balance and transaction inquiry, electronic funds transfer, and bill payment