XOBI

magnetically encoded credit cards; computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; computer application software for mobile phones, namely, software for electronic management of data and natural language search; computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information; downloadable software in the nature of a mobile application for banking services

credit card services; providing financial information; information, advisory and research services relating to finance; online banking services accessible by means of downloadable mobile applications; on-line banking services featuring electronic alerts that alert credit card users when a single transaction exceeds a certain amount