Description: Magnetically encoded cards used for credit card, debit card, pre-paid and stored-value card transactions, frequent shopper programs, or electronic coupon cards; downloadable software for facilitating, processing, reviewing, analyzing and managing financial transactions, namely, providing and processing multiple types of discounts, promotions, and electronic payment, credit, stored-value and debt transactions, including use of visualized payment codes at the point of sale; downloadable computer software in the nature of an electronic financial platform that integrates electronic payment processing with management of user identification, discounts, promotions, and loyalty programs; downloadable computer software that provides merchants the ability to create, manage, redeem, process, and offer merchant coupons, gift cards, virtual currency, stored-value cards, discounts, incentives, and loyalty programs; interactive communications management software that provides businesses with an integrated communication system for delivering email, text message, telephone and other direct communications to customers | Issuing prepaid stored value cards, gift cards, debit cards, credit cards, and electronic stored value cards; financial and credit card services, namely, issuing virtual credit card, virtual debit card, virtual currency, and electronic stored value accounts; providing incentive award programs for customers through the distribution of coupons, discounts, virtual currency, and stored value or gift cards for the purpose of promoting and rewarding loyalty; payment processing services, namely, credit card, debit card, gift card, stored value, virtual currency, and electronic payment transaction processing services; clearing and reconciling financial transactions via global computer and communications networks; electronic payment processing services; financial transaction services, namely, providing commercial transactions and payment options integrating customer identification, discounts, promotions, and loyalty programs | Providing on-line non-downloadable software and applications in the nature of an electronic financial platform that integrates electronic payment processing with management of user identification, discounts, promotions, and loyalty programs; providing on-line non-downloadable software and applications for facilitating, processing, reviewing, analyzing and managing financial transactions, namely, providing and processing multiple types discounts, promotions, and electronic payment, credit, stored-value and debt transactions, including use of visualized payment codes at the point of sale; providing on-line non-downloadable software and applications that provide merchants the ability to create, manage, redeem, process, and offer merchant coupons, gift cards, virtual currency, stored-value cards, discounts, incentives, and loyalty programs; providing on-line non-downloadable interactive communications management software that provides businesses with an integrated communication system for delivering email, text message, telephone and other direct communications to customers