D

Computer hardware and downloadable software for facilitating payment transactions by electronic means; Downloadable computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Downloadable computer programs and downloadable computer software for electronically trading securities; Encoded bar code labels; Bar code scanners; Multi-functional electronic payment terminals; Downloadable consumer coupons; Downloadable computer platform software for use in identity management, authentication, authorization and/or access controls; Downloadable computer application software for disseminating advertising for others; Downloadable image files containing online coupons and vouchers

Sales promotion for others; Providing incentive award programs through issuance and processing of loyalty points for purchase; Administration of a consumer loyalty program to promote restaurant services and retail services of others; Promoting the goods and services of others by distributing electronic coupons; Market research; Online advertising

Merchant services, namely, payment transaction processing services; Conducting cashless payment transactions; Loyalty program payment processing services; Payment verification services; On-line bill payment services; Electronic transfer of money; Collection of payments for goods and services through the Internet, namely, debt collection