Downloadable computer application software for mobile phones, namely, software for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization and settlement services; Downloadable computer software for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization and settlement services; Downloadable software development kits (SDK)

Processing of credit card payments; Processing of debit card payments; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; Processing virtual credit card payments; Payment verification services; Credit card authorization services; Electronic funds transfer services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing secure financial transactions and payment options; Providing secure commercial transactions and payment options using a mobile device at a point of sale; Electronic cash transactions