Downloadable software for managing financial transactions and banking services; downloadable software for managing and transacting virtual concurrency; magnetically encoded bank cards in the nature of magnetically encoded smart debit cards for use in conducting financial transactions; biometric encoded bank cards in the nature of biometric encoded smart debit cards for use in conducting financial transactions; biometric encoded identity cards; magnetically encoded identity cards; downloadable computer software, computer software protocol, and application programming interface (API) software for use in connection with financial transactions

non-magnetically encoded bank cards in the nature of non-magnetically encoded smart debit cards for use in conducting financial transactions; non-magnetically encoded identity cards

Banking services; financial services, namely, electronic funds transfer; online banking services; financing and loan services

Providing temporary use of on-line non-downloadable computer software for managing and transacting financial and banking services; providing temporary use of on-line non-downloadable computer software, computer software protocols and application programming interfaces for managing and transacting financial and banking services; software as a service (SAAS) services featuring software for developing software applications