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Computer e-commerce and mobile commerce software to allow users to perform electronic business transactions via a global computer network; computer software and downloadable computer software for use with mobile phones and mobile digital devices for providing banking services, financial services, credit card and debit card services, gift card and rebate card services, loyalty account management, redemption and tracking services, maps and direction services, and location based shopping information and recommendation services using global positioning services (GPS) technology and other locating-sensing technology