THE WAY FORWARD

Computer software, namely, downloadable computer programs and recorded computer software for processing electronic payments, electronic funds transfers and credit card transactions; computer software, namely, downloadable computer programs and recorded computer software for facilitating financial transactions by collecting, storing and transmitting data and information for use in financing of purchases; computer software, namely, downloadable computer programs and recorded computer software for facilitating electronic funds transfers; computer hardware and downloadable and recorded software systems for enabling users to purchase goods and services electronically via electronic payment terminals and automatic teller machines and for making credit card and electronic payments for such purposes; magnetically encoded credit cards, debit cards and gift cards; encoded electronic chip cards for enabling users to make electronic payments and electronic funds transfers; encoded smart cards containing programming used for enabling users to make electronic payments and electronic funds transfers; magnetically encoded debit cards, gift cards and credit cards for electronically transferring funds

Financial and monetary services, namely, card-operated financial services in the nature of credit card, debit card and cash card payment processing services; computerized financial services in the nature of on-line financing of purchases and providing financial information and financial information in the form of financial statements via the Internet and electronic means; providing financial transaction services in the nature of credit card and debit card authorization services and facilitating the processing of credit card and debit card payments; clearing and reconciling financial transactions via a global computer network; financial payment services in the nature of bill payment services and charge card, debit card and credit card payment processing services; electronic payment services involving electronic processing and subsequent transmission of bill payment data; bill payment services; credit card and debit card payment processing services; processing of contactless credit and debit card payments; electronic transfer of funds via computers; electronic funds transfer; transfer of funds, namely, money transfer; providing transactional services relating to point-of-sale transactions in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; card-accessed financial services in the nature of electronic credit card and debit card transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments

Software as a service (SAAS) services featuring software for processing electronic payments, authorizing credit card, debit card and cash card transactions, managing and tracking electronic payment information and facilitating e-commerce services for others, namely, for allowing users to perform electronic business transactions via a global computer network; providing temporary use of on-line non-downloadable software for processing electronic payments; providing temporary use of on-line non-downloadable authentication software for controlling access to and communications with computers and computer networks