Advertising and promoting the gift cards of others; distribution of goods being the gift cards of others; retail sales of goods being the gift cards of others; sales promotion by providing e-coupons for downloading and redemption over a user's cell phone; credit card user loyalty programs; remittance card loyalty programs; customer loyalty programs; business management and business administration including provision of records of financial transactions and of information transferred between merchants and consumers

Financial services; prepaid gift card, credit card, debit card and remittance card services; issuing of vouchers; providing electronic processing of stored value and debit card transactions and providing electronic payments via a global computer network; providing financial information via a global computer network; consultation services related to all of the foregoing

Telecommunication services being for cellular telephones; providing electronic transmission of remittance card, credit card, charge card, stored value and debit card and online account payment data via a global computer network; electronic communication services including automated customer payment systems via telephone and Internet