O PAY

Downloadable software in the nature of a mobile application for secure financial transactions and payments; Downloadable software in the nature of a mobile application that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; software application that enables electronic transmission of payment data via a global computer network and wireless networks; computer operating system software for facilitating commercial transactions through electronic means via wireless network, global computer network and mobile telecommunication device; Computer software application that allows contactless payments via mobile telecommunications devices