VIBE

Computer software, namely, software for mobile phones for financial services, gift products, payment and savings products, coupons and customer loyalty programs and electronic financial programs that accommodate multiple types of payment and debt transactions in mobile phone, PDA, and web based environments

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