MULTI-FACTOR AUTHORIZATION

Computer application software for mobile phones, namely, software for initiating and authorizing payments from various funding sources such as bank account, stored value cards, gift cards, debit cards and credit cards via a mobile device such as a smartphone, PDA and the like.; Computer application software for devices such as smartphones, PDAs, tablet PCs, etc., namely, software for initiating and authorizing payments from various funding sources such as bank account, stored value cards, gift cards, debit cards and credit cards via a mobile device such as a smartphone, PDA and the like.; Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Electronic payment terminal

Banking services provided by mobile telephone connections; Bill payment services; Bill payment services provided through a website; Credit card and payment card services; Credit card authorization services; Credit card payment processing services; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Electronic foreign exchange payment processing; Electronic payment services by which utility customers may apply money from various sources for payment of energy costs; Electronic processing of insurance claims and payment data; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Merchant services, namely, payment transaction processing services; Payment processing services, namely, credit card and debit card transaction processing services; Pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; Pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; Processing electronic payments made through prepaid cards; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; Stored value prepaid card services, namely, processing electronic payments made through prepaid cards