Encoded electronic chip cards containing programming used to facilitate, administer, and process payments; computer e-commerce software to allow users to perform electronic business transactions via a global computer network; downloadable software in the nature of a mobile application for managing payment card accounts and performing contactless payment card transactions; encoded electronic chip cards containing programming used for authentication in financial transactions; electronic data carriers in the form of magnetically encoded payment cards for use in financial transactions; magnetically encoded payment cards for use in financial transactions; electronically encoded payment cards for use in financial transactions; payment cards, namely, encoded electronic chip cards for use in financial transactions; smart codes containing programmed used to store and protect cardholder data; computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services and banking industries; computer software to enable smart cards, mobile phones and mobile devices to interact with terminals and card readers; computer software for transmitting, displaying and storing transactions, identifications and financial information for use in the financial services, banking and telecommunications industries; computer software for facilitating payment transactions by electronic means over wireless network, global computer networks and/or mobile telecommunications devices; downloadable software application for use in connection with contactless payment terminals for allowed merchants to accepts contactless mobile commercial transactions

Transaction settlement services, namely, negotiation and settlement of commercial transactions for third parties

Financial services, namely, payment card transaction processing services; point of sale and point of transaction services, namely, providing secure commercial transactions and payment options using a payment card at the point of sale; electronic payment processing services, namely, payment card transaction processing services; facilitating payment services through electronic means via a global computer network, namely, providing electronic processing of ACH and payment card transactions and electronic payments