Downloadable computer software for use in connection with the electronic storage, transmission, presentation, verification, authentication, and redemption of coupons, rebates, discounts, incentives, and special offers; downloadable computer software for use in connection with consumer loyalty programs; downloadable computer software used to process mobile payments; downloadable computer software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; downloadable computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; downloadable computer software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; downloadable computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information; downloadable computer software for processing electronic payments and for transferring funds to and from others; downloadable software for mobile phones and smart phones, namely, software used to make financial payments and transactions; downloadable computer application software for smartphones, namely, software for credit card mobile payments

Administration of a customer loyalty program which provides cash back to consumers for using certain payment methods and accrues interest; providing an incentive award program that provides incentives to consumers for using certain payment methods when making purchases and provides interest on accrued incentives; arranging and conducting an incentive reward program to promote the use of certain payment methods; administration of a consumer loyalty program to promote the use of certain payment methods; providing an incentive award program that allows customers to earn interest on amounts deposited into an incentive award account; incentive award program to promote the sale of products and services of others; providing incentive award programs for customers through the issuance of interest

Financial services, namely, providing, processing, verifying, and authenticating 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; providing financial information by electronic means, namely, providing credit and debit card information; financial services, namely, processing and administration of mobile payments and contactless debit and credit card transactions, loyalty reward card transactions, and bill payment transactions with retailers, merchants, and vendors via mobile devices; providing electronic mobile bill payment services for others; mobile and internet payment services, namely, processing electronic funds transfer via mobile computing; mobile internet payment services, namely, mobile electronic bill payment services over the internet; mobile banking; on-line banking services; banking; credit card services, namely, issuing credit cards and credit card transaction processing; electronic banking via a global computer network; payment and receipt of money as agents, namely, electronic funds transfer services; transaction authorization and settlement services, namely, credit card authorization services; financial supervision of payment operations and of computer payment systems, namely, supervisory services related to electronic payment processing services; integrated services of mobile electronic wallet and mobile payment, namely, electronic transfer of funds and processing electronic funds transfer via mobile computing devices; electronic payment services involving electronic processing and subsequent transmission of bill payment data; financial services, namely, provision of mobile payment over a global computer network; transaction authorization and settlement services, namely, electronic cash transactions