Downloadable software for processing direct payments for merchants and individuals; magnetically encoded cards used for electronic funds transfer services, electronic payments, electronic processing and transmission of bill payment data, money order services, check cashing services, pay day loan services, direct deposit of funds into customers' bank accounts, prepaid debit cards, domestic and international transmission of money, telephone card services and travelers' checks, namely, loyalty rewards cards used to administer a program which provides free or discounted financial transactions, cash back and point redemption for goods and speeds up the order process on financial transactions; downloadable computer application software for mobile phones, portable media players, handheld computers, namely, software for electronic funds transfer services, electronic payments, electronic processing and transmission of bill payment data, domestic and international transmission of money; downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment

Financial services, namely, electronic transfer of funds, electronic transfer of money, online, real-time payment processing services; money transfer services, electronic bill payment services, electronic payment services involving electronic processing and subsequent transmission of bill payment data; money order services; check cashing services, pay day loan services; direct deposit of funds into customers bank accounts; prepaid debit card services, namely, issuing prepaid debit cards, transfer of funds for credit to prepaid debit card accounts; stored value card services, namely, issuing stored value cards, transfer of funds for credit to stored value card accounts; domestic and international transmission of money in the nature of money wiring services; international currency exchange services, namely, buying and selling of foreign currencies; telephone card services, namely, issuing prepaid telephone calling cards; financial services, namely, trading gold and silver; travelers' check issuance; loyalty program payment processing services

Software as a Service featuring e-commerce software for processing direct payments for merchants and individuals