Downloadable cloud-computing software and mobile application for conducting financial transactions, electronic funds transfers and payment processing, providing alerts regarding balances, spending, loyalty rewards and offers, providing companion card requests for money transfers, and tracking debit card and other financial transactions, not related to virtual currency transactions

Electronic payment services involving electronic processing of third party bills and subsequent transmission of bill payment data; commercial financial management budgeting services

Providing temporary use of online non-downloadable software to financial institutions to conduct and track financial transactions related to debit cards, not relating to virtual currency transactions