Downloadable computer software for processing electronic payments to and from others that may be downloaded from a global computer network and/or recorded on computer media; Computer software used to process mobile payments; Downloadable computer software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; Downloadable computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; Downloadable computer software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; Downloadable computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information

Providing a wide variety of banking services and payment services, namely, credit card services, processing and transmission of bills and payments thereof; Electronic funds transfer via electronic communications networks; Issuing credit cards and lines of credit, processing and transmission of bills and payments thereof, bill payment services with guaranteed payment delivery, all conducted via a global communications network; Bill payment services; Providing electronic mobile payment services for others; Providing, processing, verifying, and authenticating mobile payments, and contactless credit and debit card transactions, loyalty reward card transactions, and bill payment transactions with retailers, merchants, and vendors via mobile devices

Providing temporary use of on-line non-downloadable authentication software for controlling access to and communications with computers and computer networks; Software as a Service (SaaS) services featuring software for processing electronic payments to and from others; Software as a Service (SaaS) services featuring software for processing mobile payments; Software as a Service (SaaS) services featuring software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; Software as a Service (SaaS) services featuring software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; Software as a Service (SaaS) services featuring software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; Software as a Service (SaaS) services featuring software for for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information