Hardware and software for the provision of financial services and payments, including the making, processing and authenticating of payment transactions with credit cards, debit cards, gift cards, prepaid cards, cash, and other payment forms; electronic and payment 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; downloadable computer software for use as an electronic wallet; downloadable mobile applications and physical payment cards for accessing financial accounts, managing financial accounts, managing funds and making payments; downloadable payment gateway software for linking e-commerce websites to credit card processing networks; downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; providing merchant services to e-commerce and physical businesses

Providing secure payment processing and settlement services for electronic funds transfers, card present (in-person) and card not present (e-commerce) card payments and real time electronic payments; secure e-wallet services featuring a wide range of enhanced digital and physical payment devices, fraud prevention and security features

Providing temporary use of on-line non-downloadable computer software applications to serve as access points to the merchant accounts for customers; non-downloadable computer software applications for the internal company management of customers and financial accounts of customers and for company operations