Financial services provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, mobile money transfers, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing businesses to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment servi...

Computer software program which enables the securing of electronic files through access controls and encryption on a personal computer