R REFER

Downloadable software for creating unique scannable barcodes each associated with a user account and a business promotion, and causing payment to be made to user accounts based on scans of the barcodes; downloadable software for creating and sharing unique scannable barcodes associated with user accounts and business promotions; downloadable software for creating unique scannable QR codes each associated with a user account and a business promotion, and causing payment to be made to user account based on scans of the QR codes; downloadable software for creating and sharing unique scannable QR codes associated with user accounts and business promotions

Issuing credit cards; issuing prepaid credit cards; issuing electronic credit cards