VBN Holdings, LLC

GLOBAL VBN

Providing real-time financial services through mobile telephone connections, retail point-of-sale connections and the internet, namely, banking services provided by mobile telephone connections, savings and loans services, mobile money transfers, check cashing, providing electronic processing of ACH transactions, issuing prepaid debit cards, telecommunications air time brokerage services for use by others, making payments for adding airtime to prepaid or pay-as-you-go wireless services, electronic funds transfer, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit card and debit card transaction processing, payment transaction processing services to third parties, bill payment services, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; providing financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Financial services, namely, providing, transmitting, processing, facilitating, verifying, and authenticating mobile payments, and contactless transactions with retailers, merchants, and vendors via mobile devices; financial services, namely, processing and administration of mobile payments and contactless transactions with retailers, merchants, and vendors via mobile devices; electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Savings and loan services; Electronic loan and microloan real-time preparation services; Arranging of loans and microloans; Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financing loans and microloans for underbanked and unbanked persons; Financing of loans and microloans; Providing personal loans, microloans and lines of credit; Providing temporary loans and microloans; electronic loan and microloan origination services; Providing financial information and evaluations, namely, credit analysis services;GLOBAL;Platform as a service (PAAS) featuring financial interchange computer software platforms for facilitating a full suite of mobile and financial transactions and services through mobile telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, savings and loans services, loan and microloan origination services, loan and microloan management services, credit analysis services, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services, mobile multichannel payments, namely, bill payment services and loan payment services, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, payment and ordering processing services using geofencing and proximity recognition; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; Platform as a service (PAAS) featuring computer software platforms for completing financial transactions, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Platform as a service (PAAS) featuring computer software platforms for processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Providing a website featuring technology that gives users the ability to process pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices;

MVBN

Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with mobile real-time banking, savings and loans services, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with facilitating line of credit and saving accounts; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with facilitating financial transactions initiated through mobile devices within and between mobile participants; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, electronic financial platform that accommodates multiple types of banking, payment and debt transactions in an integrated mobile phone and PDA; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, software to allow customers to access bank account information and transact bank business in connection with mobile real-time banking, savings and loans services, check cashing, ACH services, purchasing prepaid debit cards, mobile money transfers, electronic funds transfer, electronic banking services electronic payment services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, bill payment data, electronic credit and debit transactions, processing payments to third parties and bill payment services; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices for use in connection with mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices for use in connection with mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices for use in connection with mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices for use in connection with making and processing mobile multichannel payments, namely, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with stored-value cash or debit card services, namely, loading, managing, and payment processing; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with completing banking transactions and making payments, presentation of loyalty credentials and redemption of coupons, rebates, discounts, rewards, incentives and special offers and managing and transmitting customer incentive and award information to consumers; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with facilitating access to loans, line of credit and saving accounts; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with making pricing comparisons for goods and services and obtaining promotional and marketing information and offers via mobile electronic devices; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with facilitating financial transactions initiated through mobile devices within and between mobile participants; Magnetically encoded cards, namely, debit cards, including electronic debit cards; Downloadable computer software, namely, electronic financial platform that accommodates multiple types of banking, payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Computer software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; computer software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information; computer software for transmitting, processing, facilitating, verifying, and authenticating credit history information; computer software for ensuring the security of mobile loan and saving applications; computer software for the storage, transmission, verification, and authentication of loan payments and banking transaction information;Providing real-time financial services through mobile telephone connections, retail point-of-sale connections and the internet, namely, banking services provided by mobile telephone connections, savings and loans services, mobile money transfers, check cashing, providing electronic processing of ACH transactions, issuing prepaid debit cards, telecommunications air time brokerage services for use by others, making payments for adding airtime to prepaid or pay-as-you-go wireless services, electronic funds transfer, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit card and debit card transaction processing, payment transaction processing services to third parties, bill payment services, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; providing financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Financial services, namely, providing, transmitting, processing, facilitating, verifying, and authenticating mobile payments, and contactless transactions with retailers, merchants, and vendors via mobile devices; financial services, namely, processing and administration of mobile payments and contactless transactions with retailers, merchants, and vendors via mobile devices; electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Savings and loan services; Electronic loan and microloan real-time preparation services; Arranging of loans and microloans; Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financing loans and microloans for underbanked and unbanked persons; Financing of loans and microloans; Providing personal loans, microloans and lines of credit; Providing temporary loans and microloans; Arranging microloans and small business loans for established and start-up businesses; electronic loan and microloan origination services; Providing financial information and evaluations, namely, credit analysis services;Platform as a service (PAAS) featuring financial interchange computer software platforms for facilitating a full suite of mobile and financial transactions and services through mobile telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, savings and loans services, loan and microloan origination services, loan and microloan management services, credit analysis services, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services, mobile multichannel payments, namely, bill payment services and loan payment services, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, payment and ordering processing services using geofencing and proximity recognition; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; Platform as a service (PAAS) featuring computer software platforms for completing financial transactions, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Platform as a service (PAAS) featuring computer software platforms for processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Providing a website featuring technology that gives users the ability to process pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices; Mobile marketing platform as a service (PAAS) featuring computer software platforms for retailers and companies to provide incentive award programs to consumers in exchange for opt-in advertising, via mobile electronic devices;

MVIRTUAL BANK

Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with mobile real-time banking, savings and loans services, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with facilitating line of credit and saving accounts; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with facilitating financial transactions initiated through mobile devices within and between mobile participants; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, electronic financial platform that accommodates multiple types of banking, payment and debt transactions in an integrated mobile phone and PDA; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, software to allow customers to access bank account information and transact bank business in connection with mobile real-time banking, savings and loans services, check cashing, ACH services, purchasing prepaid debit cards, mobile money transfers, electronic funds transfer, electronic banking services electronic payment services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, bill payment data, electronic credit and debit transactions, processing payments to third parties and bill payment services; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices for use in connection with mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices for use in connection with mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices for use in connection with mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices for use in connection with making and processing mobile multichannel payments, namely, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with stored-value cash or debit card services, namely, loading, managing, and payment processing; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with completing banking transactions and making payments, presentation of loyalty credentials and redemption of coupons, rebates, discounts, rewards, incentives and special offers and managing and transmitting customer incentive and award information to consumers; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with facilitating access to loans, line of credit and saving accounts; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with making pricing comparisons for goods and services and obtaining promotional and marketing information and offers via mobile electronic devices; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with facilitating financial transactions initiated through mobile devices within and between mobile participants; Magnetically encoded cards, namely, debit cards, including electronic debit cards; Downloadable computer software, namely, electronic financial platform that accommodates multiple types of banking, payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Computer software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; computer software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information; computer software for transmitting, processing, facilitating, verifying, and authenticating credit history information; computer software for ensuring the security of mobile loan and saving applications; computer software for the storage, transmission, verification, and authentication of loan payments and banking transaction information;M VIRTUAL BANK;Providing real-time financial services through mobile telephone connections, retail point-of-sale connections and the internet, namely, banking services provided by mobile telephone connections, savings and loans services, mobile money transfers, check cashing, providing electronic processing of ACH transactions, issuing prepaid debit cards, telecommunications air time brokerage services for use by others, making payments for adding airtime to prepaid or pay-as-you-go wireless services, electronic funds transfer, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit card and debit card transaction processing, payment transaction processing services to third parties, bill payment services, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; providing financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Financial services, namely, providing, transmitting, processing, facilitating, verifying, and authenticating mobile payments, and contactless transactions with retailers, merchants, and vendors via mobile devices; financial services, namely, processing and administration of mobile payments and contactless transactions with retailers, merchants, and vendors via mobile devices; electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Savings and loan services; Electronic loan and microloan real-time preparation services; Arranging of loans and microloans; Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financing loans and microloans for underbanked and unbanked persons; Financing of loans and microloans; Providing personal loans, microloans and lines of credit; Providing temporary loans and microloans; Arranging microloans and small business loans for established and start-up businesses; electronic loan and microloan origination services; Providing financial information and evaluations, namely, credit analysis services;BANK;Platform as a service (PAAS) featuring financial interchange computer software platforms for facilitating a full suite of mobile and financial transactions and services through mobile telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, savings and loans services, loan and microloan origination services, loan and microloan management services, credit analysis services, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services, mobile multichannel payments, namely, bill payment services and loan payment services, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, payment and ordering processing services using geofencing and proximity recognition; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; Platform as a service (PAAS) featuring computer software platforms for completing financial transactions, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Platform as a service (PAAS) featuring computer software platforms for processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Providing a website featuring technology that gives users the ability to process pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices; Mobile marketing platform as a service (PAAS) featuring computer software platforms for retailers and companies to provide incentive award programs to consumers in exchange for opt-in advertising, via mobile electronic devices;

VBANK

Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with mobile real-time banking, savings and loans services, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with facilitating line of credit and saving accounts; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with facilitating financial transactions initiated through mobile devices within and between mobile participants; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, electronic financial platform that accommodates multiple types of banking, payment and debt transactions in an integrated mobile phone and PDA; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with mobile real-time banking, savings and loans services, check cashing, ACH services, purchasing prepaid debit cards, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services electronic payment services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, bill payment data, electronic credit and debit transactions, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with stored-value cash or debit card services, namely, loading, managing, and payment processing; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with banking and payments, presentation of loyalty credentials and redemption of coupons, rebates, discounts, rewards, incentives and special offers and managing and transmitting customer incentive and award information to consumers; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with facilitating loans, line of credit and saving accounts; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with facilitating financial transactions initiated through mobile devices within and between mobile participants; Magnetically encoded cards, namely, debit cards, including electronic debit cards; Downloadable computer software, namely, electronic financial platform that accommodates multiple types of banking, payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Computer software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; computer software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information; computer software for transmitting, processing, facilitating, verifying, and authenticating credit history information; computer software for ensuring the security of mobile loan and saving applications; computer software for the storage, transmission, verification, and authentication of loan payments and banking transaction information;V BANK;Providing real-time financial services for facilitating a full suite of mobile and financial transactions and services through mobile telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, savings and loans services, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; providing financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Financial services, namely, providing, transmitting, processing, facilitating, verifying, and authenticating mobile payments, and contactless transactions with retailers, merchants, and vendors via mobile devices; financial services, namely, processing and administration of mobile payments and contactless transactions with retailers, merchants, and vendors via mobile devices; electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Loan and saving services; Electronic loan and microloan real-time preparation services; Arranging of loans and microloans; Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financing loans and microloans for underbanked and unbanked persons; Financing of loans and microloans; Providing personal loans, microloans and lines of credit; Providing temporary loans and microloans; Arranging microloans and small business loans for established and start-up businesses; electronic loan and microloan origination services; credit analysis services;Platform as a service (PAAS) featuring financial interchange computer software platforms for facilitating a full suite of mobile and financial transactions and services through mobile telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, savings and loans services, loan and microloan origination services, loan and microloan management services, credit analysis services, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services, mobile multichannel payments, namely, bill payment services and loan payment services, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, payment and ordering processing services using geofencing and proximity recognition; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; Platform as a service (PAAS) featuring financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Platform as a service (PAAS) featuring processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Providing processing of pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; Mobile marketing platform as a service (PAAS) featuring computer software platforms for retailers and companies to provide incentive award programs to consumers in exchange for opt-in advertising, via mobile electronic devices;

VBANK GLOBAL

Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with mobile real-time banking, savings and loans services, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with facilitating line of credit and saving accounts; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with facilitating financial transactions initiated through mobile devices within and between mobile participants; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, electronic financial platform that accommodates multiple types of banking, payment and debt transactions in an integrated mobile phone and PDA; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with mobile real-time banking, savings and loans services, check cashing, ACH services, purchasing prepaid debit cards, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services electronic payment services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, bill payment data, electronic credit and debit transactions, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with stored-value cash or debit card services, namely, loading, managing, and payment processing; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with banking and payments, presentation of loyalty credentials and redemption of coupons, rebates, discounts, rewards, incentives and special offers and managing and transmitting customer incentive and award information to consumers; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with facilitating loans, line of credit and saving accounts; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with facilitating financial transactions initiated through mobile devices within and between mobile participants; Magnetically encoded cards, namely, debit cards, including electronic debit cards; Downloadable computer software, namely, electronic financial platform that accommodates multiple types of banking, payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Computer software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; computer software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information; computer software for transmitting, processing, facilitating, verifying, and authenticating credit history information; computer software for ensuring the security of mobile loan and saving applications; computer software for the storage, transmission, verification, and authentication of loan payments and banking transaction information;V BANK GLOBAL;Providing real-time financial services for facilitating a full suite of mobile and financial transactions and services through mobile telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, savings and loans services, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; providing financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Financial services, namely, providing, transmitting, processing, facilitating, verifying, and authenticating mobile payments, and contactless transactions with retailers, merchants, and vendors via mobile devices; financial services, namely, processing and administration of mobile payments and contactless transactions with retailers, merchants, and vendors via mobile devices; electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Loan and saving services; Electronic loan and microloan real-time preparation services; Arranging of loans and microloans; Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financing loans and microloans for underbanked and unbanked persons; Financing of loans and microloans; Providing personal loans, microloans and lines of credit; Providing temporary loans and microloans; Arranging microloans and small business loans for established and start-up businesses; electronic loan and microloan origination services; credit analysis services;Platform as a service (PAAS) featuring financial interchange computer software platforms for facilitating a full suite of mobile and financial transactions and services through mobile telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, savings and loans services, loan and microloan origination services, loan and microloan management services, credit analysis services, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services, mobile multichannel payments, namely, bill payment services and loan payment services, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, payment and ordering processing services using geofencing and proximity recognition; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; Platform as a service (PAAS) featuring financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Platform as a service (PAAS) featuring processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Providing processing of pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; Mobile marketing platform as a service (PAAS) featuring computer software platforms for retailers and companies to provide incentive award programs to consumers in exchange for opt-in advertising, via mobile electronic devices;

VBN CASH

Providing real-time financial services through mobile telephone connections, retail point-of-sale connections and the internet, namely, banking services provided by mobile telephone connections, savings and loans services, mobile money transfers, check cashing, providing electronic processing of ACH transactions, issuing prepaid debit cards, telecommunications air time brokerage services for use by others, making payments for adding airtime to prepaid or pay-as-you-go wireless services, electronic funds transfer, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit card and debit card transaction processing, payment transaction processing services to third parties, bill payment services, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; providing financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Financial services, namely, providing, transmitting, processing, facilitating, verifying, and authenticating mobile payments, and contactless transactions with retailers, merchants, and vendors via mobile devices; financial services, namely, processing and administration of mobile payments and contactless transactions with retailers, merchants, and vendors via mobile devices; electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Savings and loan services; Electronic loan and microloan real-time preparation services; Arranging of loans and microloans; Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financing loans and microloans for underbanked and unbanked persons; Financing of loans and microloans; Providing personal loans, microloans and lines of credit; Providing temporary loans and microloans; Providing financial information and evaluations, namely, credit analysis services;CASH;Platform as a service (PAAS) featuring financial interchange computer software platforms for facilitating a full suite of mobile and financial transactions and services through mobile telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, savings and loans services, loan and microloan origination services, loan and microloan management services, credit analysis services, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services, mobile multichannel payments, namely, bill payment services and loan payment services, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, payment and ordering processing; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; Platform as a service (PAAS) featuring computer software platforms for completing financial transactions, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Platform as a service (PAAS) featuring computer software platforms for processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Providing a website featuring technology that gives users the ability to process pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices; Mobile marketing platform as a service (PAAS) featuring computer software platforms for retailers and companies to provide incentive award programs to consumers in exchange for opt-in advertising, via mobile electronic devices;

VBN MONEY

Providing real-time financial services through mobile telephone connections, retail point-of-sale connections and the internet, namely, banking services provided by mobile telephone connections, savings and loans services, mobile money transfers, check cashing, providing electronic processing of ACH transactions, issuing prepaid debit cards, telecommunications air time brokerage services for use by others, making payments for adding airtime to prepaid or pay-as-you-go wireless services, electronic funds transfer, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit card and debit card transaction processing, payment transaction processing services to third parties, bill payment services, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; Processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Financial services, namely, providing, transmitting, processing, facilitating, verifying, and authenticating mobile payments, and contactless transactions with retailers, merchants, and vendors via mobile devices; financial services, namely, processing and administration of mobile payments and contactless transactions with retailers, merchants, and vendors via mobile devices; electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Savings and loan services; Electronic loan and microloan real-time preparation services; Arranging of loans and microloans; Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financing loans and microloans for underbanked and unbanked persons; Financing of loans and microloans; Providing personal loans, microloans and lines of credit; Providing temporary loans and microloans; Arranging microloans and small business loans for established and start-up businesses; electronic loan and microloan origination services; Providing financial information and evaluations, namely, credit analysis services;MONEY;Platform as a service (PAAS) featuring financial interchange computer software platforms for facilitating a full suite of mobile and financial transactions and services through mobile telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, savings and loans services, loan and microloan origination services, loan and microloan management services, credit analysis services, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services, mobile multichannel payments, namely, bill payment services and loan payment services, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, payment and ordering processing services using geofencing and proximity recognition; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; Platform as a service (PAAS) featuring computer software platforms for completing financial transactions, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Platform as a service (PAAS) featuring computer software platforms for processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Providing a website featuring technology that gives users the ability to process pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices; Mobile marketing platform as a service (PAAS) featuring computer software platforms for retailers and companies to provide incentive award programs to consumers in exchange for opt-in advertising, via mobile electronic devices;

VBN: VIRTUAL BANK MONEY

Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with mobile real-time banking, savings and loans services, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with facilitating line of credit and saving accounts; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with facilitating financial transactions initiated through mobile devices within and between mobile participants; Subscribed identity module (SIM) cards for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, electronic financial platform that accommodates multiple types of banking, payment and debt transactions in an integrated mobile phone and PDA; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers, tablet computers and wireless devices, namely, for use in connection with mobile real-time banking, savings and loans services, check cashing, ACH services, purchasing prepaid debit cards, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services electronic payment services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, bill payment data, electronic credit and debit transactions, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with stored-value cash or debit card services, namely, loading, managing, and payment processing; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with banking and payments, presentation of loyalty credentials and redemption of coupons, rebates, discounts, rewards, incentives and special offers and managing and transmitting customer incentive and award information to consumers; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with facilitating loans, line of credit and saving accounts; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices; Downloadable computer application software for mobile electronic devices, mobile phones, handheld computers and wireless devices, namely, for use in connection with facilitating financial transactions initiated through mobile devices within and between mobile participants; Magnetically encoded cards, namely, debit cards, including electronic debit cards; Downloadable computer software, namely, electronic financial platform that accommodates multiple types of banking, payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Computer software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; computer software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information; computer software for transmitting, processing, facilitating, verifying, and authenticating credit history information; computer software for ensuring the security of mobile loan and saving applications; computer software for the storage, transmission, verification, and authentication of loan payments and banking transaction information;VIRTUAL BANK MONEY: VIRTUAL BANK MONEY;Providing real-time financial services for facilitating a full suite of mobile and financial transactions and services through mobile telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, savings and loans services, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment services, payment and ordering processing services using geofencing and proximity recognition; providing financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Financial services, namely, providing, transmitting, processing, facilitating, verifying, and authenticating mobile payments, and contactless transactions with retailers, merchants, and vendors via mobile devices; financial services, namely, processing and administration of mobile payments and contactless transactions with retailers, merchants, and vendors via mobile devices; electronic banking services and proximity electronic banking services involving electronic processing and subsequent transmission of banking data, mobile multichannel payments, namely, bill payment services and loan payment services; Loan and saving services; Electronic loan and microloan real-time preparation services; Arranging of loans and microloans; Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financing loans and microloans for underbanked and unbanked persons; Financing of loans and microloans; Providing personal loans, microloans and lines of credit; Providing temporary loans and microloans; Arranging microloans and small business loans for established and start-up businesses; electronic loan and microloan origination services; credit analysis services;Platform as a service (PAAS) featuring financial interchange computer software platforms for facilitating a full suite of mobile and financial transactions and services through mobile telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, savings and loans services, loan and microloan origination services, loan and microloan management services, credit analysis services, mobile money transfers, check cashing, ACH services, issuing prepaid debit cards, mobile prepaid airtime services, namely, making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile prepaid airtime services in the nature of transferring airtime, namely, telecommunications air time brokerage services for use by others and making payments for adding airtime to prepaid or pay-as-you-go wireless services, mobile money transfers, electronic funds transfer, electronic banking services and proximity electronic banking services, mobile multichannel payments, namely, bill payment services and loan payment services, electronic payment services and proximity electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties and bill payment services, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, payment and ordering processing services using geofencing and proximity recognition; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; Platform as a service (PAAS) featuring financial services, namely, stored-value cash or debit card services, namely, loading, managing, and payment processing, provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet; Platform as a service (PAAS) featuring processing of redemption services based on consumer transaction behavior, namely, promoting the goods and services of others by issuing coupons, rewards, discounts and promotions which may then be redeemed when purchasing goods or services; Providing processing of pricing comparisons for goods and services and promotional and marketing information and offers via mobile electronic devices; Software as a Service (SAAS) featuring a financial interchange computer software platform for facilitating financial transactions initiated through mobile devices within and between mobile participants; Mobile marketing platform as a service (PAAS) featuring computer software platforms for retailers and companies to provide incentive award programs to consumers in exchange for opt-in advertising, via mobile electronic devices;