Downloadable and recorded software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; downloadable and recorded software for enabling processing of payments made via credit cards, debit cards, prepaid cards, wireless wallets, mobile wallets, electronic wallets and mobile payments; downloadable and recorded software for organizing, storing, providing access to, redeeming, scanning, sharing, and providing information about goods, services, discounts, tickets, boarding passes, admission tickets, transit passes, event tickets, vaccination cards, incentive programs, gift cards, special offers, rewards, and consumer loyalty programs; downloadable and recorded software for processing, facilitating, verifying, and authenticating mobile payments and contactless transactions with retailers, merchants, and vendors using a mobile device; downloadable and recorded software for capturing, managing, and storing credit card and debit card information.

Financial services, namely, providing, processing, verifying and authenticating mobile payments, commercial transactions and payment options, loyalty reward card transactions, pre-paid cards, and contactless credit and debit card transactions; financial transaction services, namely, providing secure commercial transactions and payment options.