Downloadable software for enabling the electronic transfer of money between users; Downloadable software for enabling processing of electronic funds transfers and payments, credit card, debit card, electronic check and electronic, mobile and online payments; Magnetically encoded credit cards and payment cards; Downloadable computer 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

Managing, tracking, processing, authenticating and optimizing credit card, debit card, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes

Electronic and on-line payment processing services; Electronic funds transfer; Clearing and reconciling financial transactions; Providing a wide variety of payment and financial services, namely, credit card services, issuing credit cards and 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; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Credit card and debit card transaction processing services; Reimbursement of funds for disputed items 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; Credit card transaction processing services; Credit services, namely, providing revolving credit account services; Bill payment services; Providing electronic mobile payment services for others; Credit card and payment processing services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic, mobile and online payments; Electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others

Providing temporary use of online, non-downloadable software for enabling the electronic transfer of money between users; providing temporary use of online, non-downloadable software for enabling processing of electronic funds transfers and payments, credit card, debit card, electronic check and electronic, mobile and online payments; 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