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; Encoded electronic chip cards for credit or debit transactions; Magnetically encoded debit cards

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