Downloadable computer software for managing cash flow and expenses with purchasing and mobile payment systems by managing, tracking and reporting on use of credit, debit, pre-paid, gift, online charge, smart, contactless and key fob cards; Downloadable mobile applications for managing cash flow and expenses with purchasing and mobile payment systems by managing, tracking and reporting on use of credit, debit, pre-paid, gift, online charge, smart, contactless and key fob cards; Magnetically encoded cards for employers to track and set a maximum for employees financial transactions; downloadable software in the nature of a mobile application for conducting financial transactions, not including virtual currency transactions; downloadable software to conduct electronic funds transfers and payment processing, not relating to virtual currency transactions; downloadable software that provides alerts regarding balances, spending, loyalty rewards and offers, and companion card requests for money transfers, not relating to virtual currency transactions; downloadable software that tracks debit card and other financial transactions

Business assistance, advisory and consulting services in the field of redemption of electronic coupons, stored value cards, gift cards, deal discounts, virtual coupons, and incentive program awards for others; Business research services in the field of redemption of electronic coupons, stored value cards, gift cards, deal discounts, virtual coupons, and incentive program awards for others; Customer service management for others; Inventory management; Operation of telephone call centers for others. Consulting in the field of sales improvement, employee performance and employee loyalty; customer relationship management; business management consultation and information services relating to reporting, modeling, and analyzing sales incentive plans; business consultation to assist in business performance, namely, on the subjects of compensation planning, employee loyalty and workforce performance. Promoting the goods of others, namely, providing information regarding discounts and special offers for the goods and services of others

Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Financial services, namely, electronic bill payment, card-to-card transfers of funds, electronic remote check deposit services, and bank account management services all related to credit and debit cards and not relating to virtual currency transactions; commercial financial management budgeting services; electronic funds transfer services all related to credit and debit cards and not relating to virtual currency transactions; debit card services; online financial services, namely, banking services accessible by means of a downloadable mobile application, not relating to virtual currency transactions

Providing temporary use of a non-downloadable web application for managing cash flow and expenses with purchasing and mobile payment systems by managing, tracking and reporting on use of credit, debit, pre-paid, gift, online charge, smart, contactless and key fob cards; Providing temporary use of online non-downloadable software to financial institutions to conduct financial transactions related to credit and debit cards and not relating to virtual currency transactions; providing temporary use of online non-downloadable software to financial institutions to track debit card and other financial transactions; Providing a web site featuring technology that enables companies and organizations to administer and manage employee incentive award programs and to promote employee productivity, performance, recognition and morale; software as a service (SAAS) services featuring software for use by employers to create and manage an employee benefits platform through which employers provide perks, discounts, rewards and incentives, manage budgets for the benefits programs, create expense accounts for the benefits programs, search, identify, compare and select the vendors, services and goods to be delivered to employees via the platform, manage and monitor employee access to and use of the platform, communicate with employees regarding the goods and services, view reports and data regarding employee use of and satisfaction with the vendors, goods and services; software as a service (SAAS) services featuring software through which vendors promote, sell, fulfill and measure the delivery of employee perks, discounts, rewards and incentives in the form of goods and services such as personal services, family services, food and beverage, health and wellness services, and automotive services; software as a service (SAAS) services featuring software for providing an employee benefits platform through which employees select and purchase products and services from vendors, access discounts for various products and services, and receive and redeem points and virtual rewards for use in purchasing products and services; software as a service (SAAS) services featuring software for maintaining a database for tracking purposes for use in customer loyalty, incentive, gift card, and marketing programs for stored value card services