Downloadable software in the nature of a mobile application for use in processing electronic payments and transferring funds to and from others; computer software for use in processing electronic payments and transferring funds to and from others; computer software for use in transferring funds between financial accounts; computer software for bill presentment and payment; telephone-based information retrieval software for use in bill presentment, bill payment and bill analysis, sending bill payment reminders, storing bill payment history, sending and receiving bill information to and from financial advisors, and financial behaviour analysis; digital assistant software for use in bill payment, bill presentment and bill analysis; computer software in the field of personal information management for use in bill presentment, bill payment and bill analysis, sending bill payment reminders, storing bill payment history, sending and receiving bill information to and from financial advisors, and financial behaviour analysis; voice recognition software; speech to text conversion software; computer software for accessing, browsing and searching online databases; computer software used to process voice commands, and create audio responses to voice commands

Acceptance of bill payments; bill payment services; electronic bill payment services; on-line bill payment services; bill payment services provided through a website; electronic payment services involving electronic processing and subsequent transmission of bill payment data; electronic payment services, namely, receipt, processing and payment of bills, issuance of personal payments; providing bill payment and tax payment processing services via computer and communication networks; money transfer services; Financial valuation services for the pension, banking and insurance industries; financial administration of retirement plans, and credit card accounts; Online, real-time payment processing, payment financial management, and payment financial analysis services

Providing temporary use of online non-downloadable computer software for performing financial transactions and transmitting and receiving information in the fields of electronic payments and electronic bill payments and bill presentment; providing temporary use of non-downloadable computer software for use in sending and receiving payments, transferring funds, bill payment and bill presentment; providing temporary use of non-downloadable computer software for generating bill reminders and bill payment status alerts; providing temporary use of non-downloadable computer software for preparing invoices; Hosting the software of others on a virtual private server; development of computer software applications in the field of bill payment services; computer services, namely, hosting and maintaining an online web site for others for receiving, paying, organizing, and securely storing bills and financial statements; application service provider (ASP) services featuring computer software for personal information management, database management, database synchronization, voice recognition, speech to text conversion, voice-enabled software applications, for processing voice commands and creating audio responses to voice commands, for dictation, for enabling hands-free use of a mobile phone through voice recognition, and for use in sending and receiving payments, transferring funds, bill payment and bill presentment