Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment

Payment processing services in the field of credit card, ACH and check payments; Payment processing services, namely, credit card and debit card transaction processing services; Payment verification services; Bill payment services; Bill payment services provided via dynamic URL; Charge card and credit card payment processing services; Credit and cash card payment processing services; Credit card payment processing services; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Merchant services, namely, payment transaction processing services; Processing of credit card payments; Processing of debit card payments; Providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores

Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants