VBN MONEY

Providing real-time financial services through mobile telephone connections, retail point-of-sale connections and the internet, namely, banking services provided by mobile telephone connections, savings and loans services, mobile money transfers, check cashing, providing electronic processing of ACH transactions, issuing prepaid debit cards, telecommunications air time brokerage services for use by others, making payments for adding airtime to prepaid or pay-as-you-go wireless services, electronic funds transfer, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit card and debit card transaction processing, payment transaction processing services to third parties, bill payment services, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; Processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Financial services, namely, providing, transmitting, processing, facilitating, verifying, and authenticating mobile payments, and contactless transactions with retailers, merchants, and vendors via mobile devices; financial services, namely, processing and administration of mobile payments and contactless transactions with retailers, merchants, and vendors via mobile devices; electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Savings and loan services; Electronic loan and microloan real-time preparation services; Arranging of loans and microloans; Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financing loans and microloans for underbanked and unbanked persons; Financing of loans and microloans; Providing personal loans, microloans and lines of credit; Providing temporary loans and microloans; Arranging microloans and small business loans for established and start-up businesses; electronic loan and microloan origination services; Providing financial information and evaluations, namely, credit analysis services

Platform as a service (PAAS) featuring financial interchange computer software platforms for facilitating a full suite of mobile and financial transactions and services through mobile telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, savings and loans services, loan and microloan origination services, loan and microloan management services, credit analysis services, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services, mobile multichannel payments, namely, bill payment services and loan payment services, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, payment and ordering processing services using geofencing and proximity recognition; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; Platform as a service (PAAS) featuring computer software platforms for completing financial transactions, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Platform as a service (PAAS) featuring computer software platforms for processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Providing a website featuring technology that gives users the ability to process pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices; Mobile marketing platform as a service (PAAS) featuring computer software platforms for retailers and companies to provide incentive award programs to consumers in exchange for opt-in advertising, via mobile electronic devices