FLIGHT

Abstract

Computer, namely, an electronic payment terminal with one or more of a magnetic card reader, contact integrated circuit (IC) card reader, non-contact integrated circuit (IC) card reader/writer, and barcode reader, which can read information from the above mentioned cards and communicate with other information devices; Downloadable computer software for mobile phones, handheld computers, namely, software for processing of electronic transfer of funds, electronic payments through electronic money or credit cards; Electronic funds transfer and payment services involving electronic processing and subsequent transmission of bill payment data; Payment settlement on behalf of the electronic money user, namely, electronic payment services by which utility customers may apply money from various sources for payment of energy costs; Electronic processing of electronic funds transfer; Processing of electronic payments through credit cards; Credit card services; Debt settlement on behalf of the credit card user; Money transfer and credit card payment via the Internet