XEND

Downloadable application programming interface (API) software; Electronic payment terminal; Downloadable computer software for use as a digital wallet; Downloadable computer software for encryption; Multi-functional computer terminals with payment function; Downloadable application programming interface (API) software for making online payments from bank accounts; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment