Downloadable computer software for facilitating payment transactions by electronic means over wireless networks, global computer networks and/or mobile telecommunications devices

Banking and financing services; financial and banking services for personal financial needs, namely, providing checking accounts, savings accounts, certificates of deposits, cash management services, loans, lines of credits, and mortgages; Internet banking services; Automated teller machine services; Foreign and domestic currency exchange services; Credit card services, namely, credit card payment processing services and issuing credit cards; Electronic credit card transactions processing services; Credit card transaction processing services; Credit card verification; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Banking Services; Banking and payment services, namely, credit card and debit card transaction processing services; Provision of financial information by electronic means; Financial services, namely, originating, acquiring, managing, collecting of debts for and brokerage of unsecured consumer and business loans

Online, non-downloadable software tools for use in accessing and managing cardholder accounts, financial data and information in the fields of consumer payment cards