Downloadable mobile application software for use in storing, processing, making, and managing electronic payments including branded and private label, open or closed loop, digital or tokenized prepaid, debit or credit cards; downloadable software for use in storing, processing, making, and managing electronic payments including branded and private label, open or closed loop, digital or tokenized prepaid, debit or credit cards; cloud-based software for storing, processing, making, and managing electronic payments including branded and private label, open or closed loop, digital or tokenized prepaid, debit or credit cards; downloadable software for storing, processing, making, and managing digital tokens, digital currency, digital IDs, tickets, coupons, and incentives for use in a digital wallet; computer software used in contactless transactions with retailers, merchants and vendors via mobile devices; computer software for storage, transmission, verification, and authentication of stored value accounts

Financial services provided by mobile telephone connections, retail point-of-sale connections, the internet, and mesh networks, namely, open mesh banking networks, mobile banking, mobile money transfers, mobile purchasing, namely, providing electronic processing of credit/debit card transactions, Automated Clearing House (ACH) transaction processing services; and electronic payments via open mesh banking networks, mobile phones for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services, loan payment services, loyalty program payment processing services; Financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by open mesh banking networks, mobile telephone connections, retail point-of-sale connections and the internet