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 consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment servic...

computer software for performing financial transactions in the fields of banking, home shopping, point-of-purchase, point-of-interaction, bill payment, account balance, financial data management, and on-line financial transactions