Computer application software for mobile devices, namely, software for electronic access, management, and maintenance of personal and business account information, encrypted access to account information including account balances, transaction history, transfer of funds including the origination of payments of all types and varieties inside and outside of the account owner's financial institution, loan applications, on-line chat support with financial institution personnel, credit and debit card management, card activation and deactivation, electronic reporting of lost or stolen cards, and card rewards tracking, image photograph or capture of checks for remote deposits, storage of and access to electronically stored images and documents provided to the financial institution, electronic ATM, branch and other participating service center location mapping utilities employing internally or externally supplied device mapping features, management of electronic deposits, distributions, calendared notices, reminders, customer defined account activity notifications via SMS, e-mail, and other form of electronic delivery featuring customer defined account budgeting, expense categorizations and graphically illustrated spending trends and embedded integration with partnered web service application providers for customer needs

Software as a Service (SaaS) services featuring software for use by customers of financial institutions for electronic access, management, and maintenance of personal and business account information, encrypted access to account information including account balances, transaction history, transfer of funds including the origination of payments of all types and varieties inside and outside of the account owner's financial institution, loan applications, on-line chat support with financial institution personnel, credit and debit card management, card activation and deactivation, electronic reporting of lost or stolen cards, and card rewards tracking, image photograph or capture of checks for remote deposits, storage of and access to electronically stored images and documents provided to the financial institution, electronic ATM, branch and other participating service center location mapping utilities employing internally or externally supplied device mapping features, management of electronic deposits, distributions, calendared notices, reminders, customer defined account activity notifications via SMS, e-mail, and other form of electronic delivery featuring customer defined account budgeting, expense categorizations and graphically illustrated spending trends and embedded integration with partnered web service application providers for customer needs; Application service provider featuring application programming interface (API) software to provide personal financial information and financial services for financial analysis, financial transaction records, management, and bill payment; application service provider featuring application programming interface (API) software for data transfer, data cleansing or screening, data categorization, and data categorization; website design for financial institutions