Magnetically encoded cards used for credit card, debit card, pre-paid and stored-value card transactions, frequent shopper programs, or electronic coupon cards; downloadable software for facilitating, processing, reviewing, analyzing and managing financial transactions, namely, providing and processing multiple types of discounts, promotions, and electronic payment, credit, stored-value and debt transactions, including use of visualized payment codes at the point of sale; downloadable computer software in the nature of an electronic financial platform that integrates electronic payment processing with management of user identification, discounts, promotions, and loyalty programs; downloadable computer software that provides merchants the ability to create, manage, redeem, process, and offer merchant coupons, gift cards, virtual currency, stored-value cards, discounts, incentives, and loyalty programs; interactive communications management software that provides businesses with an integrated communication system for delivering email, text message, telephone and other direct communications to customers

Issuing prepaid stored value cards, gift cards, debit cards, credit cards, and electronic stored value cards; financial and credit card services, namely, issuing virtual credit card, virtual debit card, virtual currency, and electronic stored value accounts; providing incentive award programs for customers through the distribution of coupons, discounts, virtual currency, and stored value or gift cards for the purpose of promoting and rewarding loyalty; payment processing services, namely, credit card, debit card, gift card, stored value, virtual currency, and electronic payment transaction processing services; clearing and reconciling financial transactions via global computer and communications networks; electronic payment processing services; financial transaction services, namely, providing commercial transactions and payment options integrating customer identification, discounts, promotions, and loyalty programs

Providing on-line non-downloadable software and applications in the nature of an electronic financial platform that integrates electronic payment processing with management of user identification, discounts, promotions, and loyalty programs; providing on-line non-downloadable software and applications for facilitating, processing, reviewing, analyzing and managing financial transactions, namely, providing and processing multiple types discounts, promotions, and electronic payment, credit, stored-value and debt transactions, including use of visualized payment codes at the point of sale; providing on-line non-downloadable software and applications that provide merchants the ability to create, manage, redeem, process, and offer merchant coupons, gift cards, virtual currency, stored-value cards, discounts, incentives, and loyalty programs; providing on-line non-downloadable interactive communications management software that provides businesses with an integrated communication system for delivering email, text message, telephone and other direct communications to customers