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Application service provider service featuring software for facilitating electronic commerce transactions by individuals via a mobile phone, namely, electronic banking, electronic bill payment and electronic payment for purchases

Making payments on prepaid calling cards for recharging minutes; issuing prepaid debit and credit cards; credit card services, namely, providing prepaid credit card accounts; pre-paid gift card services, namely, issuing gift cards in the nature of stored value cards; virtual gift card services, namely, issuance of electronic gift cards that can be redeemed for goods at participating retailers; electronic payment services, namely, electronic processing and transmission of bill payment data; electronic funds transfer via electronic communications; financial services, namely, providing virtual prepaid telecommunication calling card services via the Internet; wireless telephone payment services, namely, wireless telephone rate plan; prepaid telephone calling card and telephone debit card services

Telecommunication services in the nature of providing telephone services via prepaid calling minutes and pin less prepaid calling minutes; voice over Internet protocol (VOIP) services