VIRTUAL PAYMENTS

Financial services provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, mobile money transfers, 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, mobile multichannel payments, namely, bill payment services and loan payment services; Financial services, 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