MPAY

ENCODED ELECTRONIC CHIP CARDS CONTAINING PROGRAMMING USED TO STORE AND TRANSMIT DEMOGRAPHIC AND OTHER INFORMATION, SUCH AS THE USER'S FINANCIAL INSTITUTION INFORMATION, SECURITY CODES, MEDICAL STATUS AND OTHER PERSONAL INFORMATION PERTAINING TO THE USER

Processing manufacturer's coupons over a computer network using personal wireless devices; issuing gift certificates which may then be redeemed for goods and services over a computer network using personal wireless devices

Electronic check processing and verification; electronic cash transactions; electronic credit card and debit card transactions; automated teller machine services; electronic toll collection services; electronic and wireless payment services, namely, electronic processing and transmission of bill payment data; electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet and via wireless networks; credit card processing and verification, namely, point of sale credit and purchase approval services over a wireless network using personal wireless devices; and credit card services; electronic payment, namely, electronic processing and transmission of bill payment data over a computer network using personal wireless devices; electronic toll collection services done over a computer network using personal wireless devices

WIRELESS DIGITAL MESSAGING SERVICES