Downloadable computer application software for mobile electronic devices, mobile phones, and wireless devices, namely, for use in connection electronic funds transfer, electronic payment services, and electronic credit and debit transactions; Downloadable computer application software for mobile electronic devices, mobile phones, and wireless devices, namely, for use in connection with facilitating financial transactions initiated through mobile devices Downloadable computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Computer software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; computer software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information

Provision of information concerning commercial sales, namely, providing consumer transaction data to participating businesses with consent of consumers; 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; Promoting the goods and services of others by means of coupons, discounts, advertisements, through the administration of an incentive awards program via wireless network, mobile telecommunication devices, global computer network; Providing an on-line and mobile directory of information regarding merchants who accept contactless mobile payments and promote goods and services through this channel

Providing financial services for facilitating a full suite of mobile, digital loyalty program transactions and financial transactions and services through mobile telephone connections namely, electronic funds transfer, electronic payment services and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, payment and ordering processing services; Payment processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Financial services, namely, providing, transmitting, processing, facilitating, verifying, and authenticating mobile payments, and contactless transactions with retailers, merchants, and vendors via mobile devices; financial services, namely, processing and administration of mobile payments and contactless transactions with retailers, merchants, and vendors via mobile devices

Platform as a service (PAAS) featuring financial interchange computer software platforms for facilitating a full suite of mobile, digital loyalty program transactions and financial transactions and services through mobile telephone connections, namely, electronic funds transfer, electronic payment services processing payments to third parties, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, payment and ordering processing services; Platform as a service (PAAS) featuring computer software platforms for payment processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; Mobile marketing platform as a service (PAAS) featuring computer software platforms for retailers and companies to provide incentive award programs to consumers in exchange for opt-in advertising, via mobile electronic devices