Magnetically encoded credit and payment cards; credit and payment cards containing an encoded electronic chip; credit and payment cards containing a blank electronic chip; downloadable software for payment using a virtual credit card; downloadable software for use in payment management, namely, administration and processing of electronic payments and transactions

Financial services, namely, banking, bill payment services, credit and payment card payment processing services, charge card payment processing services, electronic credit card transaction processing, point of sale and point of transaction services in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale, transaction authorization and settlement services in the nature of Automated Clearing House (ACH) transaction processing services, electronic credit card and payment card payment processing services, credit and payment card verification, payment transaction verification services; Issuance of credit and payment cards; issuance of virtual credit cards; credit card payment and transaction processing services; virtual credit and payment card transaction processing; credit services, namely, financial administration of revolving credit accounts; electronic foreign exchange payment processing; credit card installment payment processing services

Providing temporary use of non-downloadable software for managing, reporting and administering credit and payment cards, and associated credit and payment card transactions; Application service provider (ASP) featuring e-commerce software for use as a payment gateway that provides payment processing functionality for integration with merchant websites allowing purchasing of products and services via credit card or other payment means; User authentication services using technology for e-commerce and point-of-sale payment transactions