Downloadable computer software for use as a digital wallet; Downloadable computer software for use as an electronic wallet; Downloadable computer software for transaction authorization, credit authorization and processing electronic payments; Downloadable computer software for credit authorization, processing financial transactions, and facilitating financial transactions by collecting, storing and transmitting data and information for use in financing of purchases; Downloadable computer software for enabling users to purchase goods and services electronically, as well as transaction authorization, credit authorization, processing electronic payments, processing financial transactions, and facilitating financial transactions by collecting, storing and transmitting data and information for use in financing of purchases; 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; Magnetically encoded debit cards

Bill payment services; Bill payment services provided through a website; Bill payment services provided via an electronic wallet; Financial services, namely, money lending; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Providing an internet website portal in the field of financial transaction and payment processing services

Design, development and implementation of software; Software as a service (SAAS) services featuring software for processing electronic payments, authorizing financial transactions, managing and tracking electronic payment information and allowing users to perform electronic business transactions via a global computer network; Platform as a service (PAAS) featuring computer software platforms for users to build customized applications for processing electronic payments, authorizing financial transactions, managing electronic payment information, facilitating electronic payments and financial transactions, and performing electronic business transactions via a global computer network; Providing on-line non-downloadable software for processing electronic payments; Providing temporary use of on-line non-downloadable software for financial transactions, electronic payments, credit assessments, and identity and electronic signature verification; Providing temporary use of on-line non-downloadable software for facilitating electronic funds transfers and payments made via debit card