B BREAD CASHBACK

Magnetically encoded credit cards; encoded electronic chip cards for use as credit cards; encoded smart cards embedded with transponders and containing programming used to function as credit cards; downloadable software and applications for facilitating and administering banking, financing of purchases, consumer lending, credit account management, payment by credit card, debit card, or virtual payment method, electronic funds transfer services, electronic payment services, transaction authentication services, routing, authorization and settlement services, and fraud detection and control services; downloadable software for enabling the electronic transfer of funds made via electronic payments, credit card, and debit card