ICARD

DOWNLOADABLE COMPUTER SOFTWARE, NAMELY PROVIDING A PAYMENT CARD APPLICATION FOR MOBILE PHONES THAT ENABLES MERCHANTS TO ELECTRONICALLY ASSIGN MONETARY VALUES TO THE CARD'S CORE VALUE IN REAL TIME FOR REDEMPTION AT THE POINT OF SALE

PROMOTIONAL RETAIL SERVICES, NAMELY PROVIDING AN ON-LINE NON-DOWNLOADABLE COMPUTER SOFTWARE IN THE NATURE OF A PAYMENT CARD APPLICATION ENABLING RETAIL MERCHANTS TO ELECTRONICALLY ASSIGN VALUES TO THE CARD IN REAL TIME BASED ON A MERCHANT'S PROMOTION AND/OR A USER'S SPENDING HABITS AND PROVIDE SUCH VALUES TO THE CARD FOR REDEMPTION AT THE POINT OF SALE