Downloadable software for enabling the electronic transfer of funds between users; Downloadable computer software facilitating payment transactions between users; Downloadable software for providing discounts on products and services; Downloadable software to enable transactions of value to be requested from or sent to others, namely, financial transactions, discounts, rewards, and loyalty benefits; Downloadable software for authentication of users; Downloadable computer software for management of user identification; Downloadable software for creating, displaying, identifying, authenticating, verifying, encrypting, encoding, securing, retrieving, forwarding, managing and storing of credentials, biometric information, biometric data, information and data of users; Downloadable software for the electronic transfer of assets between users, and between users and commercial enterprises using a proxy identifier via a global computer network, wireless network, and electronic channels; Downloadable software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; Downloadable software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions; Downloadable software for enabling processing of electronic funds transfers and payments made via ACH, credit card, debit card, prepaid cards, mobile wallets, electronic wallets, electronic check, mobile and online payments; Downloadable software for capturing, managing, and storing discounts, rewards, loyalty benefits, special offers, and credit card and debit card information; Downloadable software for processing, facilitating, verifying, and authenticating mobile payments and contactless transactions with retailers, merchants, and vendors via mobile devices; Downloadable computer software for ensuring the security of mobile payments; Downloadable software for electronic storage, transmission, presentation, verification, authentication, and redemption of discounts, rewards, loyalty benefits, and special offers.

Banking services; Electronic transfer of financial instruments for others; Provision of payment and financial transaction services, namely, facilitating electronic processing of electronic funds transfer for credit card, debit card, electronic check, prepaid cards, mobile wallets, electronic wallets, mobile and online payments, and electronic payments between users and financial institutions via a global computer network, wireless network, and electronic channels; Computerized financial services, namely, electronic transfer of funds between users and between users and commercial enterprises using a proxy identifier via a global computer network, wireless network, and electronic channels; Computerized financial services, namely, electronic exchange services for transactions of value, namely, currency exchange services, cryptocurrency exchange services and stock exchanges; Financial transaction processing of discounts, rewards, benefits, coupons as part of a customer loyalty program; Payment processing services for customer loyalty, incentive, discount, and reward programs; Financial services, namely, providing, processing, verifying, and authenticating payments, contactless credit and debit card transactions with retailers, merchants, and vendors via a global computer network, wireless network, and electronic channels; Providing financial information by electronic means, namely, providing credit and debit card processing services; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Credit card and transaction processing terminal services using near field communication (NFC) technology.

Providing user authentication services using blockchain-based software technology for cryptocurrency transactions; User authentication services using single sign-on technology for online software applications; User authentication services using technology for e-commerce transactions; Providing temporary use of non-downloadable computer software for authentication of users; Providing temporary use of non-downloadable computer software for management of user identification; Providing temporary use of web-based applications to provide single sign-on, user identification and user authentication services; Technical support services in the nature of troubleshooting, diagnosing, resolving, and monitoring problems relating to computer software and applications; Providing temporary use of online non-downloadable software for use in transactions with retailers, merchants, and vendors; Providing temporary use of online non-downloadable software for enabling the electronic transfer of funds between users; Providing temporary use of online non-downloadable software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and payment and other payment and transaction information; Providing temporary use of online non-downloadable software for storing, verifying, and authenticating credit and debit card information.