Downloadable computer software for processing electronic payments and for transferring funds to and from others; downloadable mobile application software for processing electronic payments and for transferring funds to and from others; downloadable authentication software for controlling access to and communications with computers and computer networks; downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; downloadable computer software for issuing receipts regarding mobile payment transactions; magnetically encoded credit cards; magnetically encoded payment cards being debit cards, gift cards, prepaid gift cards, prepaid cash cards, and prepaid debit cards

Financial services, namely, electronic funds transfer; clearing and reconciling financial transactions via a global computer network and wireless networks; providing a wide variety of payment and financial services, namely, credit card payment processing services, issuing credit cards and providing personal and business lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, all conducted via a global communications network; credit card and debit card transaction processing services; providing payment and financial services, namely, creating, preparing, managing, sending, processing, tracking, and reconciling invoices; payment processing services in the nature of processing reimbursements for fraudulent transactions, transaction errors, and disputed transactions, namely, transactions concerning lost, damaged, misrepresented, or incorrect products or services, all in the field of electronic payment purchases; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks¿, namely, fraud reimbursement services in the field of credit card purchases and electronic payment purchases, secure commercial transactions for credit card purchases and electronic payment purchases, and payment processing services in the nature of processing reimbursement related to disputed transactions in the field of electronic payment purchases; credit card transaction processing services; credit services, namely, providing revolving credit account services; bill payments services; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; credit card transaction processing services and payment processing services in the field of credit card payments and electronic payments; 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 processing electronic payments; providing temporary use of on-line non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions