Downloadable software in the nature of a mobile application for use in loyalty programs involving discounts and incentives; downloadable computer software for use as a digital wallet; downloadable computer programs for connecting remotely to computers or computer networks; downloadable computer communications software to allow customers to access bank account information and transact bank business; downloadable computer software for producing financial models; multi-functional electronic payment terminals; 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

Business administration of consumer loyalty programs; providing incentive award programs for customers through the issuance and processing of loyalty coupons for frequent use of participating businesses; administration of a consumer loyalty program to promote restaurant services and retail services of others; providing incentive award programs for customers and employees through the distribution of prepaid stored value cards for the purpose of promoting and rewarding loyalty; providing incentive award programs for customers through issuance and processing of loyalty points for on-line purchase of a company's goods and services; membership club services providing discounts and administrative processing of rebates for the services of others; administration of a program for enabling participants to obtain discounts on products and services; promoting the sale of goods and services of others through electronic couponing, promotions and discounts; promoting the goods and services of others by means of a point accumulation program with points used for discounts on future purchases of those goods and services; incentive award programs to promote the sale of products and services of others; on-line advertising and marketing services; mobile advertising services for others; advertisement for others on the internet; advertising and commercial information services, via the internet; commercial information services, via the internet; providing commercial information and advice for consumers in the choice of products and services; providing on-line commercial directory information services; collection of market research information; on-line retail department store services; provision of an on-line marketplace for buyers and sellers of goods and services

Providing cash and other rebates for credit card use as part of a customer loyalty program; providing rebates at participating establishments of others through use of a membership card; loyalty program payment processing services; issuing pre-paid vouchers exchangeable for goods or services; redeeming the vouchers of others for payment of goods or services; online banking services; financial services, namely, funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; financial affairs and monetary affairs, namely, financial information, management and analysis services; bill payment services; bill payment services provided via an electronic wallet; charge card and credit card payment processing services; processing of electronic wallet payments