Payment transaction processing services, namely, facilitating payment transactions of and for others over the global communications network; providing an Internet website portal in the field of financial transaction and payment processing services for others using account-backed financial instruments and arrangements, namely, credit cards, debit cards, bank accounts, and stored value or prepaid accounts, contributions, or deposits to be used to purchase or pay for goods and services from others in, on, and around college or university campuses and elsewhere

Providing use of on-line, non-downloadable computer programs implemented in and through the global computer network for processing payment transactions over the global computer network and on computers and computing devices, both mobile and stationary, and accessible by point of sale and cashiering equipment and systems; application service provider featuring software for payment processing for others using account-backed financial instruments and arrangements, namely, third-party-sourced financial resources in the nature of gifts from family members, friends, and others, cause-based contributions in the nature of crowd-sourced or otherwise, and investments that are crowd-sourced or otherwise to be used to purchase or pay for goods and services from others in, on, and around college or university campuses and elsewhere; application service provider featuring software for payment acceptance and payment processing for others under which an alternative currency is used in a closed-loop or open-loop system in real time to acquire or pay for goods and services from others based on a participant's or third party's credit standing, derived from such person's credit card capacity, debit card account holdings or capacity therefor, financial instruments, or other verified account balance or balances; application service provider featuring software for maintaining and servicing a closed loop or an open-loop payment network for facilitating electronic payments by others to others for goods or services; application service provider featuring software for maintaining and servicing a secure closed loop or an open-loop payment network for facilitating electronic payments by others to others without exposure to merchants of any personally identifiable financial or other data