Computer hardware and software for making and processing payment transactions with credit cards, debit cards, gift cards, cash, and other payment forms; financial software and accessories for customers to perform location-based transactions for portable computing devices with internet connectivity, phones, smartphones, tablets, computers, touchscreens, terminals, electronic or computing eyeglasses, and kiosks, cash registers, and other point of sale systems, namely, phones, smartphones, computer tablet, computers, touchscreens, computer terminals, and interactive computer kiosks comprising computers, computer hardware, computer peripherals, and computer operating software; analytic tools relating to payment processing and tracking, namely, portable computing devices with internet connectivity, phones, smartphones, tablet computers, computers, touchscreens, computer terminals, electronic or computing eyeglasses, and interactive computer kiosks comprising computers, computer hardware, computer peripherals, and computer operating software; optical character recognition software; software for use in facilitating payment transactions; software for obtaining alternatives to paper signatures in a financial transaction; software for generation and delivery of electronic receipt; software for determining the location of a consumer; software relating to processing payment transactions based on the location of a consumer; software for collecting consumer behavior information; software relating to processing payment transactions based on consumer behavior; computer software for personal information management

Business management services and business consulting featuring business analytic tools relating to payment processing and tracking; providing a database featuring product data and consumer data for commercial purposes; advertising, marketing and promotion services; administration of customer loyalty programs which provide financial incentives and discounts for customers, namely, free and discounted items and discounted total transaction amount for others; consumer loyalty services for commercial, promotional and/or advertising purposes, namely, administration of frequent user program that allows consumers to redeem points for awards; Business consulting featuring business analytic tools relating to processing payment transactions based on the location of a consumer; market research studies, namely, analytic services regarding consumer behavior; market research studies, namely, gathering and reporting of consumer location data for others; business administration services featuring analytic tools for tracking and comparing consumer purchasing behavior; price comparison services; providing a web site featuring the ratings, reviews and recommendations on products and services for commercial purposes posted by users; business management services featuring the providing of analytic tools relating to payment processing, payment tracking, customer relations and loyalty programs, and business optimization

Financial services for making, processing and reconciling payment transactions with credit cards, debit cards, gift cards, cash, and other payment forms; providing electronic transfer of funds between gift cards; financial services for processing payment transactions based on the location of a consumer; financial services for making and processing payments through social networks; financial services for making, processing and reconciling payments based on unique personal identifiers; financial services for making, processing and reconciling payments based on unique payee account identifiers; providing virtual stored-value card services; financial services regarding electronic wallets and similar electronically stored value services, namely, providing on-line stored value accounts in an electronic environment and stored value card services; Providing an on-line exchange for trading in virtual currency and electronic money; brokerage regarding virtual currency and electronic money trading; financial clearing house for virtual money and electronic money; electronic funds transfer; financial services, namely, providing a virtual currency in the nature of tokens for value for use by members of an on-line community via a global computer network; providing a virtual currency for use by members of an on-line community via a global computer network; e-wallet solution, namely, providing an on-line stored value account in an electronic environment to allow users to receive and transfer money from other users using the same or any other platform, to withdraw funds from their bank account anywhere in the world, and to use the stored value account as a payment card, debit card, and providing credit card services; prepaid card services, namely, processing electronic payments made through prepaid cards; electronic funds transfer; bill payment services; electronic commerce and payment processor for consumers, business to business and business to consumers, namely, electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet

Providing electronic transmission of payment transactions and related information via a global computer network; providing electronic transmission of financial and business information between and among customers and businesses; providing electronic transmission of consumer location data via a global computer network

Cloud computing featuring software for use in facilitating, processing, managing, and verifying financial transactions; providing temporary use of non-downloadable software for use in facilitating, processing, managing, and verifying financial transactions; providing temporary use of non-downloadable software to gather consumer behavior data; providing temporary use of non-downloadable software to track consumer location; providing temporary use of non-downloadable software for financial management and budgeting; Providing customer relations and loyalty program tools for businesses, namely, providing on-line non-downloadable software used for identifying, receiving, and redeeming offers originated by participating merchants via mobile and internet-connected devices, accumulating reward and loyalty status at and across participating merchants, automating attribution of offers as discounts upon transaction completion at participating merchants, and facilitating customer accounting and expense reporting; data conversion services, namely, image recognition and optical character recognition services relating to credit cards, checks, financial instruments, and identification cards; Providing on-line non-downloadable software to enable merchants to provide and track a frequent user program that allows consumers to redeem points for awards to enhance consumer loyalty for commercial, promotional and/or advertising purposes; Providing financial analytic tools, namely, providing on-line non-downloadable software used for financial management and budgeting