Downloadable software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; Downloadable software for transmitting, processing, facilitating, verifying, and authenticating mobile payments; Downloadable software for storing, transmitting, processing, facilitating, verifying, and authenticating credit and debit card information, transaction, and payment information; Downloadable software for the electronic transfer of money or funds; Downloadable software for ensuring the security of mobile payments; Downloadable software in the nature of a mobile application for users to participate in incentive and award programs; Downloadable software for use in connection with the electronic storage, transmission, presentation, verification, authentication, and redemption of cash-back rewards, loyalty points, rebates, discounts, electronic coupons, vouchers; Downloadable software in the nature of a mobile application featuring a network of retailers, merchants, and vendors that accept app-based and electronic payments and providing for cash-back rewards, loyalty points, rebates, discounts, electronic coupons, vouchers in exchange for use of app-based payments; Downloadable software in the nature of a mobile application for providing information regarding discounts, coupons, rebates, vouchers, and special offers for the goods and services of others; Downloadable software for use by retailers, merchants, and vendors to access targeted advertising tools for use in sales promotions; Downloadable software featuring consumer insights and data for use by retailers, merchants, and vendors; Downloadable software for use in tracking behavior research and consumer trend analysis to provide insights on customers' shopping preferences

Providing incentive award programs for customers through issuance and processing of loyalty points, rebates, discounts, electronic coupons, vouchers for purchases of the goods and services of others; Providing incentive award programs for customers through issuance and processing of loyalty points, rebates, discounts, electronic coupons, vouchers for use of an electronic payment processing mobile application in the purchase of the goods and services of others; Promoting the goods and services of others, namely, providing loyalty points, rebates, discounts, electronic coupons, vouchers for the goods and services of others and providing information related thereto; Business monitoring and consulting services, namely, providing strategy and insight on marketing and sales; Marketing services, namely, conducting consumer tracking behavior research and consumer trend analysis to provide insights on customers' shopping preferences

Financial services, namely, providing, processing, and verifying, 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; Electronic transfer of money for others; Cash back rewards services, namely, providing cash back for conducting app-based electronic payments as part of a customer loyalty program; Providing cash and other rebates for making purchases from participating retailers, merchants, and vendors as part of a customer loyalty program; Providing incentive award programs for customers through issuance and processing of cash-back rewards for purchases of the goods and services of others; Providing incentive award programs for customers through issuance and processing of cash-back rewards for use of an electronic payment processing mobile application in the purchase of the goods and services of others; Promoting the goods and services of others, namely, providing cash-back rewards for the goods and services of others and providing information related thereto