Computer software for processing electronic payments and for transferring funds to and from others; authentication software for controlling access to and communications with computers, mobile applications, and computer networks; mobile payment technology platform in the nature of hardware and software for payment processing for reloadable gift cards, gift cards, reloadable prepaid cards, credit cards, and other form of payment cards; Computer software and mobile platform in the nature of computer hardware and downloadable mobile applications for issuance of reloadable prepaid cards, and reloadable gift cards; Optimization computer software for businesses and individuals for use in customer loyalty optimization, namely, computer software for the optimization of payments that uses analytics, artificial intelligence, and machine learning; computer software for business and personal information management data processing, namely, software for electronic reporting of business data analytics relating to payment processing, authentication, tracking, data management, receipts, and invoicing; computer software for data processing management and tracking of gift card, credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via computer and electronic communications networks for business and individual customer's purposes; mobile downloadable software for processing electronic payments; mobile downloadable authentication software for controlling access to and communications with computers, mobile applications, and computer networks

Financial services, namely, electronic funds transfer; clearing and reconciling financial transactions; providing a wide variety of payment and financial services, namely, reloadable gift cards services in the nature of issuing gift cards and gift card transaction processing services conducted via a global communications network; providing a wide variety of payment and financial services, namely, reloadable prepaid cards services in the nature of issuing reloadable prepaid debit cards and prepaid cards transaction processing services conducted via a global communications network; providing a wide variety of payment and financial services, namely, credit card services in the nature of issuing credit cards and credit cards transaction processing services conducted via a global communications network; providing a wide variety of payment and financial services, namely, issuing credit cards and lines of credit conducted via a global communications network; providing a wide variety of payment and financial services, namely, electronic payment services involving electronic processing and subsequent transmission of bill payment data conducted via a global communications network; providing a wide variety of payment and financial services, namely, bill payment services with guaranteed payment delivery conducted via a global communications network; providing a wide variety of payment and financial services, namely, banking services in the nature of brokerage of money market funds, conducted via a global communications network; reloadable gift card transaction processing services, reloadable prepaid electronic debit card transaction processing services, credit card transaction processing services, and debit card transaction processing services in the nature of transaction processing services, all utilizing mobile and/or wireless devices; providing purchase protection services in the nature of fraud reimbursement services in the field of credit card purchases for goods and services purchased by others via a global computer network and wireless networks; reloadable gift card transaction processing services, reloadable prepaid electronic debit card transaction processing services, credit card transaction processing services in the nature of transaction processing services, all utilizing electronic cards; credit services, namely, providing revolving credit account services; bill payment services; providing electronic mobile payment services for others, namely, providing secure electronic payment options using a mobile device at a point of sale; reloadable gift card transaction processing services, reloadable prepaid electronic debit cards transaction processing services, credit card transaction processing services, and credit card payment processing services; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others

Providing temporary use of on-line non-downloadable software for issuance of reloadable prepaid cards, and reloadable gift cards via mobile devices; Providing on-line non-downloadable software for processing electronic payments; providing on-line non-downloadable authentication software for controlling access to and communications with computers, mobile applications, and computer networks