FIRST PASS

Microprocessor- and transponder-based payment devices, namely, chips or magnetically encoded strips for attachment to or incorporation with cards, key fobs, key tags and watches

Promoting the use of microprocessor-and transponder-based payment devices through incentive award programs offered by merchants that reward customer loyalty and patronage by awarding coupons, discounts and purchase points

Financial services, namely, banking; credit, debit and stored value card services; and electronic processing and transaction services, namely, electronic cash, asset and liability-based, and credit, debit and stored value card transactions and financial and account information provided by electronic means, all via microprocessor-and transponder-based payment devices