GENIUS

Computer application software for the use in payment processing, providing promotional and marketing information and offers and incentive and reward programs

Financial services provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, mobile money transfers, mobile purchasing, namely, providing electronic processing of credit and/or debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment services; prepaid debit card services; Providing financial services, namely, mobile purchasing, namely, providing electronic processing of credit and/or debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others and mobile payment processing, accessed from any network provider, mobile device, internet and point-of-sale devices, for mobile network operators, consumer packaged goods companies and retailers