NEXT LEVEL COMMERCE

Downloadable computer software, namely, electronic financial software for processing payment and debt transactions, for mobile phones; PDAs, and web based mobile devices for financial services, namely, mobile phones and downloadable financial software for electronic bill payment and for processing payment and debt transations; downloadable electronic financial software for processing payment and debt transactions

Customer loyalty services and providing incentive award programs for customers through the issuance and processing of loyalty coupons and loyalty points for frequent use of participating businesses and for commercial, promotional and/or advertising purposes for participating businesses

Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; loyalty program payment processing services and providing electronic processing of credit and debit card transactions and electronic payments via a global computer network

Providing temporary use of on-line non-downloadable financial software for electronic bill payment, and for processing payment and debt transations