(Based on Use in Commerce) Downloadable software for personal finance, financial management, financial planning, providing financial information, budgeting, and credit and debt management; downloadable software for managing, editing, storing, sharing, transferring and viewing money, money pockets, funds, and bank accounts; downloadable software for earned wage and early pay access services; downloadable software for conducting financial transactions and transfer and payment of funds; downloadable software for use as a digital wallet; downloadable software for banking services, credit and loan services; downloadable software for accruing, managing, and redeeming merchant rewards and discounts, and promotion, management, and access to customer incentive, reward and discount programs; encoded bank cards and debit cards; virtual bank cards and debit cards, namely, downloadable software for enabling payment via virtual cards; (Based on Intent To Use) ; Downloadable software for advance payments for prepaid and pay as you go cards; encoded prepaid cards and credit cards; virtual prepaid cards and credit cards, namely, downloadable software for enabling payment via virtual cards; downloadable software for enabling access to investment services, brokerage and trading of investments, and providing information regarding investments