Downloadable computer software for use by consumers in storing, managing and retrieving information regarding reward, club, and loyalty card programs on mobile communication devices; downloadable computer software for use by consumers in locating, storing, managing, retrieving, and redeeming merchant coupons, offers, incentives and messages on mobile communication devices; downloadable computer software that displays barcodes on the screens of mobile communication devices to enable the barcod...

Computer software used in conjunction with host computers, cryptographic tokens and cryptographic token reader/writers for information security, information access control, secure communications and electronic signature