FABRIC

Computer software for processing electronic payments and for transferring funds to and from others; authentication software for controlling access to and communications with computers and computer networks; Computer software for enabling real-time communication over the Internet; computer software for facilitating instant messaging, sensing and providing user presence information; computer software for scheduling and managing calendars and contacts; computer software for enabling users to identify availability of other users and integrate electronic address books and calendars

Consumer questionnaire and survey services; Incentive award programs to promote the services of others; consumer research services, namely, conducting business surveys and outreach programs to obtain consumer feedback; incentive awards to promote wellness programs and healthy lifestyles in the nature of payment of laundry services

Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Providing electronic processing of credit card transactions and electronic payments via a global computer network; providing electronic mobile payment services for others; payment processing services, namely, providing virtual currency transaction processing services for others