Class 009: Downloadable and recorded software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information; Downloadable and recorded software for enabling processing of payments made via credit cards, debit cards, prepaid cards, wireless wallets, mobile wallets, electronic wallets and mobile payments; Downloadable and recorded software for use in processing mobile payments with retailers, merchants, and vendors via mobile devices; Downloadable and recorded software for transmission of encrypted biometric information between biometric identification and authentication apparatus and a central biometric database; Downloadable and recorded software for organizing, storing, providing access to, redeeming, scanning, sharing, and providing information about goods, services, discounts, tickets, boarding passes, coupons, consumer loyalty programs, and gift cards concerning a wide range of consumer products, services, and cultural, sporting and entertainment events; Downloadable computer software for personal information management; Downloadable and recorded software for use in providing authentication, issuance, validation and monitoring of digital keys and digital certificates; Downloadable and recorded software for processing commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; recorded computer software application for providing financial information; Electronically encoded credit cards; Magnetically encoded credit cards; Downloadable and recorded computer software for use in credit card issuance, credit card information verification and authentication, and credit card payment authorization, transmission, and transaction processing; Electronically encoded pre-paid cards; Magnetically encoded pre-paid cards; Class 035: Providing incentive award programs for customers and employees through the distribution of prepaid stored value cards for the purpose of promoting and rewarding loyalty; promoting the goods and services of others by means of a loyalty rewards card scheme; Online retail store services featuring prepaid gift cards; Class 036: Brokerage of mobile payment for others; Issuance of electronic coupons in the nature of tokens of value via smart phones, namely, issuing pre-paid vouchers exchangeable for goods or services; On-line financial transactions, namely, providing secure financial transactions and payment options; Financial services, namely, providing secure financial transactions and payment options; Providing financial information via a website; Electronic payment for others, namely, processing of electronic wallet payment; Issuance of digital tokens of value for use as a reward, issuing pre-paid vouchers exchangeable for goods or services; Financial services, namely, financial advisory and consultancy services; Financial affairs and monetary affairs, namely, financial information, management and analysis services; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Financial services, namely, providing, processing, verifying, and authenticating mobile payments, and contactless credit and debit card transactions, loyalty reward card transactions, and bill payment transactions with retailers, merchants, and vendors via mobile devices; Providing financial information by electronic means, namely, providing credit and debit card information; issuance of stored value cards; Issuing prepaid debit cards; prepaid card services; pre-paid card transaction processing services; Pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; systemization and operation of pre-paid card system; Financial services, namely, funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; Funding online cash accounts from bank accounts; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Credit card services, namely, credit card authorization, credit card payment processing services, credit card verification services, credit card transaction processing services, and issuing of credit cards; Financial services, namely, providing credit card spending data, real-time transaction analysis, and financial activity reports; Providing financial information by electronic means, namely, providing credit card information.