DISCOVER

automated teller machines (atm); card readers for credit cards; card readers for magnetically encoded cards; card reading equipment; check stands for retail stores in the nature of electronic checkout stations for point of sale; chip card readers; chip cards; computer software for facilitating and administering payment, banking, credit card, debit card, payment card, electronic payments, electronic processing and, transaction authentication, authorization, fraud detection and control; computer e-commerce software to allow users to perform electronic business transactions via a global computer network; computer software for providing an on-line database in the field of transaction processing to upload transactional data, provide statistical analysis, and produce notifications and reports; 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 software for processing smart card payments for both contact and contactless interfaces; downloadable software in the nature of a mobile application for managing credit card accounts and performing contactless credit card transactions; electronic and magnetic id cards for use in connection with payment for services; electronic card readers; electronic computerized credit card imprinters; electronic database in the field of financial services recorded on computer media; electronic payment terminal; electronic personal identification number (pin) pads; encoded electronic chip cards containing programming used for authentication in financial transactions; magnetic coded card readers; magnetically encoded debit cards; magnetically encoded credit cards; electronically coded credit cards; electronically coded debit cards; credit cards featuring encoded electronic chip cards containing programming used to store and protect cardholder data; gift cards and prepaid cards with magnetic coding; computer software for transmitting, displaying and storing transaction, identification and financial information and financial information for use in the financial services and banking industries; magnetically encoded charge cards, debit cards and credit cards; magnetically encoded gift cards and prepaid cards for making payments and accessing cash at an automated teller machine (atm), namely, payroll cards, corporate disbursement cards in the nature of loyalty, award, and promotional incentive cards and money transfer cards and magnetic coded cards for use in financial transactions; electronically coded cards, namely, electronically encoded credit cards; microchip cards; multi-functional computer terminals with payment function; multi-functional electronic payment terminals; point-of-sale terminals; point-of-sale terminals for making contactless payments; radio frequency transponder encrypted with information for use with contactless payment; card readers for credit cards and debit cards; readers for contactless payment devices; wireless devices, namely, mobile phones; magnetic coded cards; magnetic electronically coded cards and computer software, both of the foregoing for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunication industries; computer software for facilitating and administering payment, banking, credit card, debit card, payment card, electronic payments, electronic processing and transmission of bill payment data, transaction authentication, routing, authorization, fraud detection and control, and encryption services; computer software for a digital wallet that stores customer account information; computer software to enable smart cards, mobile phones and mobile devices to interact with terminals and card readers; computer software for transmitting, displaying and storing transactions, identifications and financial information for use in the financial services, banking and telecommunications industries; downloadable software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless mobile commerce transactions

conducting a credit card and debit card customer incentive program; promoting the sale and usage of credit card accounts, debit card accounts, smart card accounts and other payment access devices through the administration of an incentive award program to retail merchants; promoting the goods and services of others by means of discounts, incentives and statement credits generated in connection with the use of credit cards; promoting the use of credit cards through marketing offers and cardholder incentives; promoting the sale of goods and services of others by awarding purchase points for credit card use; promoting the sale of credit card accounts through the administration of incentive award programs; analyzing and compiling business data to provide insights on customers' preferences; business analysis of financial transaction data; marketing services, namely, creation of custom analytical modeling and data sciences to provide insights on customers' preferences that predict behavior; business data analysis services in the field of marketing and technology, including utilizing software, operations, and joint products and experiences with partners; promoting the use of credit and charge cards through the offering of special offers and promotions of others to card members; consumer research which provides insights on customers' shopping preferences; marketing services, namely, conducting consumer tracking behavior research and consumer trend analysis to provide insights on customers' shopping preferences; business advice, inquiries, and information program for solution providers who provide products and services that are used by issuers and acquirers on a global network; maintaining a registry of recommended third parties whose products and services meet network requirements; business marketing services; business to business direct marketing services; business monitoring and consulting services, namely, tracking web sites and applications of others to provide strategy, insight, marketing, sales, operation, product design, particularly specializing in the use of analytic and statistic models for the understanding and predicting of consumers, businesses, and market trends and actions; promotional contests for promoting the sale of goods and services of others generated in connection with the use of payment cards; promoting the sale of goods and services of others through the distribution of printed materials and promotional contests; tracking of sales volumes for others; financial records management; promoting payment card usage, namely, promoting the sale of credit card accounts through the administration of incentive award programs available through promotional incentives available through program registration and electronic communications by e-mail or text messages; business information services in the field of data analytics, namely, data selection, data arrangement, data processing, data presentation, data cleansing and data distribution in the fields of marketing demographics and consumer purchasing behaviors relating to banking and financial services; marketing consultation in the field of financial services, information services and marketing services; market research; conducting marketing studies; marketing information services, namely, analyzing consumer purchase and bill payment information for consumer purchase behavior analysis, risk analytics, marketing and forecasting; advertising services for others through means of wireless networks, mobile telecommunications devices or global computer networks; preparation of statements of financial accounts; promoting the sale of the goods and services of others through the distribution of printed materials, online promotional offers and promotional contests; association services, namely, promoting the interests of banks, credit unions, and other regulated financial institutions; bill presentment services; credit card registration services; stored value prepaid card registration services; debit card registration services

credit card services, namely, issuing of credit cards and processing of credit card payments and transactions, credit card verification services, credit card authorization services, credit card factoring services, cash and rebate services for credit card use as part of a customer loyalty program; prepaid card services offered through cards with stored value, namely, issuing of stored value prepaid cards and processing of stored value prepaid card payments and transactions, stored value prepaid card verification services, stored value prepaid card authorization services, stored value prepaid card factoring services, cash and rebate services for stored value prepaid card use; debit card services, namely, issuing of debit cards and processing of debit card payments and transactions, debit card verification services, debit card authorization services, debit card factoring services, cash and rebate services for debit card use; atm banking services, namely, cash disbursement through use of automatic teller machines (atm) and cash replacement services rendered by credit card; point of sale and point of transaction services, namely, processing of electronic cash, credit card, and debit card transactions; facilitating person-to-person payment services through electronic means via a global computer network; credit risk management services; electronic cash transactions; check verification services; check cashing services; point of sale and point of transaction services; transaction authorization and settlement services; electronic payment processing services; credit card and payment transaction authentication and verification services; banking services; facilitating payment services through electronic means via a global computer network; electronic funds transfer; providing financial information, namely, credit and debit card data and reports; electronic funds transfer services; credit management services; dissemination of financial information via a global computer network; advisory services regarding all of the foregoing services; charge card and credit payment processing services; consumer clearing and reconciling financial transactions via a global computer network; electronic transfer of money; electronic transfer of funds; merchant banking services, namely, bundling of services of others to facilitate small business obtaining a merchant account at the same time, namely, packaging of business credit and debit card offerings of others with merchant accounts of others to facilitate small business acceptance of payment cards; financial transaction authentication and verification services, namely, payment and funds verification services; providing financial and banking information regarding secured transaction information for the management, tracking, monitoring and reporting of payment card usage and corporate expense accounts; online banking services featuring electronic alerts that alert credit card, debit card, and prepaid card users of any activity and changes of consumer financial transactions

Providing a secured-access, members only online user-interface website featuring technology that gives members the ability to retrieve and analyze financial data and reports based on payment cardholder transaction data, and for customizing and creating reports and analyses based on such data, for business or commercial purposes; computerized fraud detection services in the field of finance, banking, credit, debit and payment cards, namely, electronic monitoring of credit and debit card activity to detect fraud via the internet; providing services to individuals and financial institutions to address identity restoration and security after identity theft or fraud, namely, electronic monitoring of credit card activity to detect financial fraud via the internet; computerized security services, namely, electronically monitoring, detecting and reporting on suspicious and abnormal patterns of point of sale activity indicating identity theft and fraud; computer security services for protecting data and information from unauthorized access, namely, electronic monitoring of monetary charitable donations for fraud prevention purposes; computer security services for protecting data and information from unauthorized access, namely, electronic monitoring of monetary charitable donations for fraud prevention purposes; fraud and identity theft protection services via the internet, namely, electronic monitoring of credit reports and public records to facilitate the detection and prevention of identity theft and fraud; providing fraud detection services in the nature of electronic monitoring of the internet for electronic funds transfer and credit and debit card and electronic check transactions using single sign-on technology and biometric hardware and software technology for e-commerce transactions; computerized biometric user authentication services, namely, providing user authentication services in e-commerce transactions, specifically of electronic funds transfer, credit and debit card, stored value prepaid cards, and electronic check transactions; computerized authentication of identity to reduce fraud in payment card transactions, namely, providing user authentication services using single sign-on technology and biometric hardware and software technology for e-commerce transactions; authentication of user information and data, relating in particular to biometric authentication of individuals during the process of electronic payments and transactions; computerized fraud detection and evaluation services, featuring the provision of information to financial institutions to access data from payment card transactions for the purpose of detecting fraudulent uses; providing services to individuals and financial institutions to address identity restoration and security after identity theft or fraud, namely, electronic monitoring of credit card activity, and personally identifying information to detect fraud via the internet; computerized biometric authentication services relating to secure payment services, namely, providing user authentication services using single sign-on technology, biometric hardware and software technology for e-commerce transactions

financial screening, verification and regulatory services, namely, regulatory compliance consulting in the field of finance