Downloadable software in the nature of a mobile application for management of personal financial accounts, monitoring of transactions and account balances, budget and spending reporting, and bill presentment and payment; downloadable software in the nature of a mobile application for providing access to accrued income and payroll funds to users; downloadable software in the nature of a mobile application for processing electronic payments and transferring funds to and from others

Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Issuing prepaid debit cards; Pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; Processing electronic payments made through prepaid cards; Stored value prepaid card services, namely, processing electronic payments made through prepaid cards; financial services, namely, providing on-demand payroll funds to prepaid debit cards or bank accounts to, or on behalf of employees based upon their accrued hours or already earned wages, to be made available before end of pay period

Providing temporary use of on-line, non-downloadable software and applications for management of personal financial accounts, monitoring of transactions and account balances, budget and spending reporting, and bill presentment and payment; providing temporary use of on-line, non-downloadable software and applications for providing access to accrued income and payroll funds to users; providing temporary use of on-line, non-downloadable software and applications for processing electronic payments and transferring funds to and from others; providing temporary use of on-line, non-downloadable software and applications that enable companies and organizations to administer and manage employee incentive award programs and to promote employee productivity, performance, recognition and morale; providing temporary use of on-line, non-downloadable software and applications for use in surveying, tracking, gathering, monitoring, and analyzing employee responses to surveys to improve employee satisfaction and business operations; providing temporary use of on-line, non-downloadable software for sending and tracking notifications to employees