HANDPOINT

business management services for payment processing and tracking; business optimization services, namely, business management consulting for strategy, sales, and operation; business optimization services, namely, employing analytic and statistical models to understand and predict consumer, business, and market trends and actions; business services, namely, create and implement customer relationship and loyalty program services and tools for business, commercial, promotional or advertising purposes; marketing and promotional services, namely, promote goods and services of others; facilitate the exchange of business information among customers and businesses for e-commerce transactions; distribute advertising materials for others; disseminate advertising content for others via public and private wireless networks for display on mobile devices; electronic commerce services, namely, provide consumer information for products via telecommunication networks for advertising and sales purposes

electronic transmission of data and documents via computer terminals, namely, relating to credit card, debit card, and gift card transaction data and related information, merchant-customer communications, and advertising and promotional materials; electronic transmission of data via computer terminals, namely, providing financial and business information between and among customers and businesses; electronic transmission of e-commerce transaction data and information; providing online electronic messaging services; providing on-line forums for transmission of messages among computer users; chatroom services for social networking; providing access to databases; electronic data transmission for dialogue and communication with other computer users in relation to financial topics; telecommunications services, namely, email and messaging services; electronic transmission of advertising programs and media advertising communications via digital communications networks

downloadable computer software and hardware for processing electronic payments; computer and telecommunications hardware, downloadable software and peripherals for processing payments; computer and telecommunications hardware, downloadable software and peripherals for processing payments to micro, small and medium-sized enterprises (MSMEs); computer and telecommunications hardware, downloadable software and peripherals allowing customers to make electronic payments in the field of telecommunications; downloadable financial software and accessories for mobile devices, cash registers, and financial software for other point of sale systems, namely, for facilitating and authenticating electronic payments; downloadable software to allow users to perform electronic business transactions; computer hardware and downloadable software that provides analytic tools for payment processing; computer hardware and downloadable software that creates, manages, and optimizes customer relationships and loyalty programs; computer hardware and downloadable software for optimizing business processes; data processing equipment, namely, computers; downloadable software for facilitating payment processing on a customer's behalf, crediting the funds received from such payments on customer's account and settling such funds; downloadable software to facilitate payment processing; downloadable software; downloaded authentication software for controlling access to and communications with computers and computer networks

credit card and debit card transaction processing services; financial services, namely, in-person credit and cash card payment processing services via customer mobile devices, software applications, and/or card reader devices; clearing and reconciling financial transactions via global communications networks; providing electronic processing of credit card transactions and electronic payments via a global computer network; financial services for making and processing payment transactions with credit cards, debit cards, gift cards, cash, and other forms of payments; electronic credit card transaction processing services; electronic debit transaction processing services; electronic cash transaction processing services; payment transaction processing services; payment processing services, namely, credit card, debit card and gift card transaction processing services; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; reconciling services, namely, processing payment transactions based on credit cards, debit cards, gift cards, and other forms of payment; exchanging financial information between and among customers and businesses related to e-commerce transactions; cashless payment processing services via mobile telephones and SMS; reconciliation and settlement of cashless payments; electronic money transfer and payment processing services; registration and validation of cashless payments, namely, payment verification services; advisory and information services relating to all aforesaid services

design, development, and consulting services in the field of computer software; customizing computer software; providing temporary use of on-line non-downloadable software for use in processing and transmitting electronic payments; providing temporary use of on-line non-downloadable software and applications for use in processing and transmitting electronic payments; providing temporary use of on-line non-downloadable software and applications for use in risk assessment and payment processing; providing a website featuring resources, namely, non-downloadable software for use in processing and transmitting electronic payments