STERLING PAYMENT TECHNOLOGIES INNOVATIONS IN PAYMENTS

Computer software for secure acceptance, processing and consolidation of commercial transactions and payments via credit card, debit card, smart card, check card, electronic benefits transfer EBT card, gift card, loyalty card, stored value card, bank transfer, and cash across multiple payment and transactional platforms, including point of sale POS terminals, telephone order/mail order MOTO payment, call centers, mobile devices, and a global computer information network; computer software for use in consolidation of commercial transaction and electronic payment acceptance and processing services across multiple payment and transactional platforms; computer software for secure acceptance and processing of high volume commercial transactions and payments; computer software for use in consolidation of high volume commercial transaction and payment processing across multiple payment and transactional platforms for use by large scale merchants; computer software for secure acceptance and stand-in processing commercial transactions and payments, authorizing transaction requests based on merchant off-line, stand-in agreements with processors and acquirer banks, and uploading authorized transactions to a central site when communication lines are established; computer software for use on personal computers for secure acceptance and processing of commercial transactions and payments via credit card, debit card, smart card, check card, electronic benefits transfer EBT card, gift card, loyalty card, stored value card, bank transfer, and cash across multiple payment and transactional platforms, including point of sale POS terminals, telephone order/mail order MOTO payment, call centers, mobile devices, and a global computer information network; Computer software for use on personal computers that provides a graphical user interface to manage, record and track electronic payment, payment settlement, and commercial transaction processing services and generate reports; computer software for use in providing seamless secure integration of point-of-sale POS payment acceptance devices and payment processing systems to collect sensitive and non-sensitive commercial transaction data, and facilitate payment processing by POS systems; computer software for use in providing seamless secure integration of point-of-sale payment processing systems and components, namely, hardware, software, peripheral devices, printers, displays, keyboards, pin pads, mobile payment devices, card readers, and related payment processing accessories and devices; computer systems comprised of hardware, software, and peripheral devices for use by merchants and product and service providers in the design, implementation, management, and tracking of gift card and stored value card programs, for design and development of targeted marketing promotions, loyalty rewards programs, merchandise refund cards, and virtual spend cards, and for providing secure management of customer data, customer refunds, payment patterns, and generating reports associated with gift card and stored value card programs; computer system comprised of hardware, software, and peripheral devices for use in secure activation, replenishment, and redemption of prepaid gift cards, loyalty cards, long distance calling cards, mobile telephone accounts and stored value cards, for secure management and tracking of prepaid card and account programs, and for generation of reports associated with prepaid card and mobile telephone account programs; Computer software that provides a graphical user interface for collection of electronic payment data to enable merchants and product and service providers to adjust and streamline deployment, configuration, and support of payment devices; computer software for use in remote diagnostics and troubleshooting of electronic payment devices and related payment device software; computer software for use in securely capturing, recording, storing, and archiving electronic signatures and receipts and merging signatures and receipts with related commercial transactions; computer software for use in managing dispute resolutions associated with payment processing; computer software for use in design, implementation and delivery of targeted promotions, marketing campaigns, text and graphics via point-of-sale payment devices, mobile payment devices, and mobile devices; computer software for use in application processing, credit analysis, customer tracking, debt monitoring, debt collection, dispute resolution, and management of prepaid card programs, credit card programs, value card programs, and loyalty card programs for payment card issuers and acquirers, merchants, banks, financial institutions, and product and service providers; secure payment processing system comprised of a software application and an optional card reader for use in connection with cellular phones to accept electronic payments and commercial transactions, encrypt data, capture and store signatures, and process payments and commercial transactions

Credit card payment processing services; merchant services, namely, payment transaction processing services; payment processing services, namely, credit card and debit card transaction processing services; payment gateway services, namely, authorizing and processing secure, real-time payments for others over a network connection; financial services, namely, credit agencies featuring credit processing, namely, credit checking, credit analyzing and financial reporting services; payment and transaction processing, namely, credit card and debit card processing services featuring an online and batch processing software engine for authorizing, processing, maintaining, clearing, and online real-time reporting, 24/7, internet based, wireless, or POS terminal based, including credit, debit, proprietary, gift, stored value, e-check, electronic checks and ACH