Software as a service for consumers to create virtual payment cards that enable consumers to pay bills; Software as a service featuring computerized software for financial transaction authorization and for providing and enabling payment options using a mobile device at point of sale for consumer lending

electronic processing and transmission of customer bill payment data for others

Providing advertising, marketing and promotional services for the pharmaceutical and medical industry

Downloadable software in the nature of a mobile application for the use in database management of retailer prices and change in prices