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COMPUTER HARDWARE AND SOFTWARE TO ALLOW USERS TO PERFORM ELECTRONIC BUSINESS TRANSACTIONS VIA A GLOBAL COMPUTER NETWORK USED IN THE FIELD OF RETAIL, COMMERCIAL AND FINANCIAL TRANSACTIONS; COMPUTER HARDWARE AND SOFTWARE FOR DISSEMINATING, CATALOGING, TRACKING, STORING, ANALYZING, MANAGING, CAPTURING, COLLECTING AND PROCESSING RETAIL, COMMERCIAL AND FINANCIAL TRANSACTIONS; COMPUTER HARDWARE AND SOFTWARE FOR USE WITH POINT-OF-SALE TERMINALS FOR POS (POINT OF SALES) SYSTEMS, PROVIDING SEAMLESS SECURE INTEGRATION OF POINT-OF-SALE (POS) PAYMENT ACCEPTANCE DEVICES AND PAYMENT PROCESSING SYSTEMS TO COLLECT SENSITIVE AND NON-SENSITIVE COMMERCIAL TRANSACTION DATA, FACILITATE PAYMENT PROCESSING BY POS SYSTEMS AND SECURELY EXCHANGE PAYMENT, RECEIPTS, COUPONS, VOUCHERS, OR GIFT, MEMBERSHIP AND LOYALTY CARDS AND RELATED TRANSACTIONAL INFORMATION; COMPUTER HARDWARE AND SOFTWARE FOR SECURE ACCEPTANCE, PROCESSING AND CONSOLIDATION OF RETAIL, COMMERCIAL AND FINANCIAL TRANSACTIONS AND PAYMENTS VIA CREDIT CARD, DEBIT CARD, SMART CARD, CHECK CARD, ELECTRONIC BENEFITS TRANSFER (EBT) CARD, GIFT CARD, LOYALTY CARD, STORED VALUE CARD, BANK TRANSFER, AND CASH ACROSS MULTIPLE PAYMENT AND TRANSACTIONAL PLATFORMS, INCLUDING POINT OF SALE (POS) TERMINALS, TELEPHONE ORDER/MAIL ORDER (MOTO) PAYMENT, CALL CENTERS, MOBILE DEVICES, MOBILE PHONE, PDA, WIRELESS AND A GLOBAL COMPUTER INFORMATION NETWORK; COMPUTER SOFTWARE FOR PROVIDING AN ON-LINE DATABASE IN THE FIELD OF RETAIL SALES TRANSACTION PROCESSING TO UPLOAD TRANSACTIONAL DATA, PROVIDE STATISTICAL ANALYSIS, PRODUCE NOTIFICATIONS AND REPORTS, GENERATION OF DIGITAL PURCHASE RECEIPTS, WARRANTY INFORMATION, INVENTORY INFORMATION, AUTHENTICATION, ACCESS CONTROL AND OTHER SECURITY FEATURES IN RELATION TO CONSUMER PURCHASES, ENCRYPTING AND PROTECTING THE INTEGRITY OF DATA AND ELECTRONIC COMMUNICATIONS OVER COMPUTER NETWORKS

PROMOTING THE GOODS AND SERVICES OF OTHERS BY PROVIDING AN INTERACTIVE WEBSITE WHERE USERS CAN INCREASE THE CURRENT VALUE OF AN ONLINE DISCOUNT BEING OFFERED BY PURCHASING THE GOODS AND SERVICES ASSOCIATED WITH THAT DISCOUNT IN THE FORM OF AN ONLINE OR DELIVERABLE COUPON, VOUCHER OR GIFT; PROMOTING THE GOODS AND SERVICES OF OTHERS BY PROVIDING A WEB SITE FEATURING COUPONS, REBATES, PRICE-COMPARISON INFORMATION, PRODUCT REVIEWS, LINKS TO THE RETAIL WEB SITES OF OTHERS, AND DISCOUNT INFORMATION; MARKETING, ADVERTISING, AND PROMOTING THE RETAIL GOODS AND SERVICES OF OTHERS TO WIRED AND WIRELESS ELECTRONIC DEVICES; ONLINE SERVICE FOR CONNECTING SOCIAL NETWORK USERS WITH RETAILERS FOR THE PURPOSE OF FACILITATING PURCHASES AND GIFTS TO OTHERS; PROMOTING THE GOODS AND SERVICES OF OTHERS BY PROVIDING INFORMATION REGARDING DISCOUNTS, COUPONS, REBATES, VOUCHERS AND SPECIAL OFFERS FOR THE GOODS OF OTHERS AND BY THE DISTRIBUTION OF DISCOUNT CARDS, PRINTED COUPONS AND CUSTOMIZED ADVERTISING MATERIALS, NAMELY, BROCHURES; PROMOTING THE SALE OF GOODS AND SERVICES OF OTHERS THROUGH ELECTRONIC COUPONING, PROMOTIONS AND DISCOUNTS; ISSUING GIFT CERTIFICATES, VOUCHERS AND CODES FOR DISCOUNTS WHICH MAY THEN BE REDEEMED FOR GOODS OR SERVICES; PROVIDING A WEB-BASED SYSTEM AND ONLINE PORTALS IN THE FIELD OF CONSUMER-TO-BUSINESS COMMERCE FOR CONSUMERS TO ENTER, MANAGE AND MODIFY THEIR CONSUMER PREFERENCE INFORMATION FOR USE BY MERCHANTS TO CREATE AND MANAGE OFFERS FOR DELIVERY TO CONSUMERS; PROVIDING AN ON-LINE COMPUTER DATABASE IN THE FIELD OF LOCATING PRODUCTS, DESCRIBING PRODUCTS, RATING PRODUCTS, PRICING PRODUCTS AND COMPARING PRICES OF PRODUCTS; PROVIDING AND RENTAL OF ADVERTISING SPACE ON THE INTERNET; PROVIDING CONSUMER PRODUCT INFORMATION VIA THE INTERNET; PROVIDING INCENTIVE AWARD PROGRAMS FOR CUSTOMERS THROUGH THE ISSUANCE AND PROCESSING OF LOYALTY COUPONS FOR FREQUENT USE OF PARTICIPATING BUSINESSES; PROVIDING INCENTIVE AWARD PROGRAMS FOR CUSTOMERS THROUGH ISSUANCE AND PROCESSING OF LOYALTY POINTS FOR ON-LINE PURCHASE OF COMPANY'S GOODS AND SERVICES; PROVIDING SPACE AT A WEB SITE FOR THE ADVERTISEMENT OF THE GOODS AND SERVICES OF OTHERS; OPERATION OF A BUSINESS FOR OTHERS, NAMELY, WEB-BASED SYSTEM FOR THE SELECTION PURCHASE, DELIVERY AND REDEMPTION OF GIFTS, VOUCHERS AND COUPONS BY OTHERS

ELECTRONIC PROCESSING OF RETAIL, COMMERCIAL AND FINANCIAL TRANSACTIONS IN THE NATURE OF ELECTRONIC PAYMENTS VIA A GLOBAL COMPUTER NETWORK AND WIRELESS NETWORKS; PAYMENT PROCESSING SERVICES, NAMELY, PROVIDING SECURE PROCESSING OF CREDIT CARD, DEBIT CARD, SMART CARD, LOYALTY CARD, GIFT CARD, STORED VALUE CARD, ELECTRONIC BENEFITS TRANSFER (EBT) CARD, BANK TRANSFER, ELECTRONIC CHECK AND ELECTRONIC PAYMENTS; ELECTRONIC COMMERCE PAYMENT SERVICES FOR OTHERS, NAMELY, ESTABLISHING FUNDED ACCOUNTS USED TO PURCHASE GOODS AND SERVICES ON THE INTERNET; FINANCIAL TRANSACTION SERVICES, NAMELY, PROVIDING SECURE COMMERCIAL TRANSACTIONS AND PAYMENT OPTIONS USING A MOBILE DEVICE AT A POINT OF SALE; ELECTRONIC PAYMENT, NAMELY, PROCESSING BILL PAYMENT DATA IN THE NATURE OF HOSTING A SECURE ON-LINE BILLING WEBSITE FOR RECEIVING ORDER INFORMATION, GENERATING INVOICES, PROCESSING PAYMENT INFORMATION AND CREATING AND FORWARDING RECEIPTS RELATING TO PURCHASE OF GOODS AND SERVICES ON THE INTERNET; PROVIDING AN INTERACTIVE WEB SITE FEATURING FINANCIAL INFORMATION, AND FOR USE IN TRACKING CONSUMER PURCHASES AND FINANCIAL TRANSACTIONS; PROVIDING FINANCIAL INFORMATION THROUGH A GLOBAL COMPUTER NETWORK; PROVIDING SECURE ELECTRONIC PAYMENT ACCEPTANCE AND PROCESSING SERVICES VIA A MOBILE DEVICE OR INTERNET PAYMENT TO CONSUMERS, MERCHANTS, RESTAURANTS, RETAIL STORES, COMMERCIAL PRODUCT AND SERVICE PROVIDERS, ONLINE MERCHANTS AND ONLINE COMMERCIAL PRODUCT AND SERVICE PROVIDERS; PAYMENT SERVICES NAMELY, AUTHORIZING AND PROCESSING SECURE, REAL-TIME BILL PAYMENTS FOR OTHERS OVER A NETWORK CONNECTION

DESIGN, DEVELOPMENT, INSTALLATION, AND MAINTENANCE OF WEB-BASED SOFTWARE SYSTEMS FOR THE SELECTION, PURCHASE, DELIVERY AND REDEMPTION OF GIFTS, VOUCHERS AND COUPONS BY OTHERS; DESIGN AND DEVELOPMENT OF WEB-BASED SYSTEMS COMPRISED OF COMPUTER HARDWARE AND SOFTWARE FOR THE SELECTION PURCHASE, DELIVERY AND REDEMPTION OF GIFTS, VOUCHERS AND COUPONS BY OTHERS; HOSTING AN ONLINE COMMUNITY WEB SITE FEATURING PURCHASING VOUCHERS, GIFTS, COUPONS AND OTHER REDEEMABLE INSTRUMENTS; PROVIDING ONLINE NON-DOWNLOADABLE, INTERNET BASED MOBILE SOFTWARE APPLICATIONS FOR ORDERING AND PURCHASING GIFTS, VOUCHERS, COUPONS AND OTHER REDEEMABLE INSTRUMENTS