9 Downloadable software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; Downloadable software for transmitting, processing, facilitating, verifying, and authenticating mobile payments; Downloadable software for storing, transmitting, processing, facilitating, verifying, and authenticating credit and debit card information, transaction, and payment information; Downloadable software for the electronic transfer of money or funds; Downloadable software for ensuring the security of mobile payments; Downloadable software in the nature of a mobile application for users to participate in incentive and award programs; Downloadable software for use in connection with the electronic storage, transmission, presentation, verification, authentication, and redemption of cash-back rewards, loyalty points, rebates, discounts, electronic coupons, vouchers; Downloadable software in the nature of a mobile application featuring a network of retailers, merchants, and vendors that accept app-based and electronic payments and providing for cash-back rewards, loyalty points, rebates, discounts, electronic coupons, vouchers in exchange for use of app-based payments; Downloadable software in the nature of a mobile application for providing information regarding discounts, coupons, rebates, vouchers, and special offers for the goods and services of others; Downloadable software for use by retailers, merchants, and vendors to access targeted advertising tools for use in sales promotions; Downloadable software featuring consumer insights and data for use by retailers, merchants, and vendors; Downloadable software for use in tracking behavior research and consumer trend analysis to provide insights on customers' shopping preferences