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Computer software for enabling banking and payments transactions via mobile telephones, and for facilitating communication on aforementioned banking and payment transactions via a global computer network; software for near field communication (NFC) technology-enabled readers and devices, namely, mobile telephones, smart card readers, and proximity payment processing devices all using near field communication technology, said software being for use in enabling payment transactions and data transfer, and for identity authentication; near field communication devices, namely, mobile telephones, smart card readers, and proximity payment devices known as encoded contactless smart cards containing programming used to enable payment transactions and data transfer, and for identity authentication payment transactions and data transfer, and for identity authentication

Market analysis and research services; collection of market research information; marketing services, namely, conducting consumer tracking behavior research and consumer trend analysis

Banking and financial information provided via electronic means and providing electronic processing of electronic funds transfer, ACH, credit card, debit card, pre-paid cards, electronic check, electronic payments, and financial transaction processing services using near field communication (NFC) technology

Telecommunications access services; electronic transmission of messages; delivery of electronic media and data by telecommunications; near field communication services