Hardware and software for making, processing and authenticating payment transactions with credit cards, debit cards, gift cards, pre-paid cards, cash, crypto currency and other payment forms; electronic devices, namely, card readers, computer chip readers, point of sale terminals, and related hardware and software, all for accepting, effecting, enabling, facilitating, processing, operating, authenticating and managing payment transactions via mobile devices, cash registers, and other point of sale systems, and local and global communications networks; computer e-commerce software to allow users to perform electronic business transactions via mobile devices, cash registers, and other point of sale systems, and local and global computer networks; computer software, namely, software application for use by consumers in the field of mobile payments; computer software for facilitating mobile payments, and enabling consumers to use their electronic signature, PIN, name or photo in completing mobile payment transactions; computer software for issuing receipts regarding mobile payment transactions; electronic and electrical apparatus, namely, receipt issuing, reading and recording machines; computer software for facilitating and managing merchant-customer communications, and providing payment transaction information; downloadable Payment Acceptance Progamming Interface (API) software;

money transfer services, electronic funds transfer services, electronic remote direct deposit of funds into individual bank accounts, currency exchange services, electronic payment services for personal banking in the nature of electronic funds transfer and clearing and reconciliation of financial transactions via a global computer network in the nature of financial clearinghouses, payment services in the nature of web-based money transfers provided by means of a global computer network, and payment services in the nature of web-based international money transfers provided by means of mobile applications and mobile devices; online banking services accessible by means of downloadable mobile applications; cash discount programs; software platform serving as a digital wallet