ESPEND

Computer application software for mobile phones that enables users to transfer payments, exchange currency, pay bills, purchase goods and withdraw currency; computer application software for use with mobile phones to provide consumer protections against fraud, by creating secure instant payroll transactions, for both buyer and merchant; data transmission and storage units in the nature of external hard drives, blank computer tapes; magnetically encoded debit cards; computer software for transferring payments, exchanging currency, paying bills, purchasing goods and withdrawing currency

Providing temporary use of online non-downloadable application software for use with mobile phones in connection with payment transfers, currency exchange, bill payments, purchasing transactions and currency withdrawals; providing temporary use of online non-downloadable application software for use with mobile phones to provide consumer protections against fraud by creating secure instant payroll transactions for both buyer and merchant