9 Downloadable computer operating programs; downloadable computer software for, completing electronic payments, accessing merchant offers, accessing payment option products, linking ecommerce websites to credit offer recipients, design, implementation and delivery of targeted promotions, marketing campaigns, text and graphics via mobile payment devices and mobile devices, for use in application processing, credit analysis, customer tracking, debt monitoring, debt collection, dispute resolution, and management of prepaid card programs, credit card programs, value card programs, loyalty card programs for payment card issuers and acquirers, merchants, banks, financial institutions, and product and service providers; downloadable computer software for tracking website traffic, ecommerce activity, customer loyalty, and sales conversion rates; downloadable application software for completing electronic payments, accessing merchant offers and accessing payment option products, linking e-commerce websites to credit offer recipients, design, implementation and delivery of targeted promotions, marketing campaigns, text and graphics via mobile payment devices and mobile devices, for use in application processing, credit analysis, customer tracking, debt monitoring, debt collection, dispute resolution, and management of prepaid card programs, credit card programs, value card programs, loyalty card programs for payment card issuers and acquirers, merchants, banks, financial institutions, and product and service providers; recorded computer applications for completing electronic payments, accessing merchant offers and accessing payment option products, linking e-commerce websites to credit offer recipients, design, implementation and delivery of targeted promotions, marketing campaigns, text and graphics via mobile payment devices and mobile devices, for use in application processing, credit analysis, customer tracking, debt monitoring, debt collection, dispute resolution, and management of prepaid card programs, credit card programs, value card programs, loyalty card programs for payment card issuers and acquirers, merchants, banks, financial institutions, and product and service providers; downloadable software applications for completing electronic payments, accessing merchant offers and accessing payment option products for mobile devices, linking e-commerce websites to credit offer recipients, design, implementation and delivery of targeted promotions, marketing campaigns, text and graphics via mobile payment devices and mobile devices, for use in application processing, credit analysis, customer tracking, debt monitoring, debt collection, dispute resolution, and management of prepaid card programs, credit card programs, value card programs, loyalty card programs for payment card issuers and acquirers, merchants, banks, financial institutions, and product and service providers; downloadable computer application and software applications for completing electronic payments, accessing merchant offers and accessing payment option products for mobile devices, linking e-commerce websites to credit offer recipients, design, implementation and delivery of targeted promotions, marketing campaigns, text and graphics via mobile payment devices and mobile devices, for use in application processing, credit analysis, customer tracking, debt monitoring, debt collection, dispute resolution, and management of prepaid card programs, credit card programs, value card programs, loyalty card programs for payment card issuers and acquirers, merchants, banks, financial institutions, and product and service providers; downloadable computer software for tracking website traffic, ecommerce activity, customer loyalty, and sales conversion rates, all provided online from a global computer network or the internet; downloadable electronic data files featuring store vouchers, loan agreements and purchase history reports relating to completing electronic payments, accessing merchant offers and accessing payment option products and downloadable sound, music, images, videos, films and educational lectures in the field of completing electronic payments, accessing merchant offers and accessing payment option products; apparatus and instruments for recording, reading, writing, storage, processing, reproduction and display of text, data, information, sound, music, images, videos, film and other media, namely, computer monitors; downloadable software for use in password storage and retrieval for use in connection with computers; downloadable computer software for downloading text, graphics, images and electronic publications; downloadable electronic books, magazines, journals and other publications in the nature of newsletters in the field of information about electronic payments, merchant offers and payment option products; downloadable digital materials, namely, information about electronic payments, merchant offers and payment option products downloadable from the internet; downloadable software for processing electronic payments; downloadable online payment processing software; electronic payment terminals, money dispensing and sorting devices in the nature of automatic teller machines; computer hardware for processing electronic payments to and from others; downloadable software for controlling access to computer networks; downloadable network access server operating software