Arranging and conducting incentive reward programs to promote the sale of apparel, footwear, and accessories

Electronic payment services by which utility customers may apply money from various sources for payment of energy costs; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Bill payment services provided via an electronic wallet; Processing of electronic wallet payments; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments