Turning Loyalty into Currency

Computer software for processing electronic payments and for transferring funds to and from others; authentication software for controlling access to and communications with computers and computer networks; magnetically encoded credit cards and payment cards.

Promoting the goods and services of others via a global computer network; providing advertising information relating to discounts, coupons, rebates, vouchers and special offers for the goods of others; promoting the goods and services of others by providing hypertext links to the websites of others; promoting the goods and services of others via a website featuring hyperlinks to the online retail websites of others; business consulting services in the field of online payments; business information management, namely, electronic reporting of business analytics relating to payment processing, authentication, tracking, and invoicing; business management, namely, development of business strategies for payments optimization for businesses.

Financial services, namely, electronic funds transfer; financial and banking services, namely, transaction processing services; providing a wide variety of payment and financial services, namely, credit card services, issuing credit cards and lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill and payment data, bill payment services with guaranteed payment delivery, and brokerage of money market funds, all conducted via a global communications network; financial services, namely, managing and tracking credit card, debit card, ACH- Automated Clearing House, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks; credit card and debit card transaction processing services; reimbursement of funds for disputed items in the field of electronic payment purchases; providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, providing payment dispute resolution services and reimbursement services for disputed transactions in the field of electronic payment purchases; credit card transaction processing services; credit services, namely, providing revolving credit account services; bill payment services; providing electronic mobile payment services for others; credit card and payment processing services; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others.

Design and development of computer hardware and software; computer services, namely providing computer software via the internet; consultancy, testing, research and advisory services in the field of risk, vulnerability analysis and security for computers, computer systems and computer networks; research and development of computer hardware and software; technical support services, namely, troubleshooting and maintenance of computer software and computer network problems; automatic updating of computer software; providing temporary use of on-line non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks.