Magnetically encoded and embedded microchip debit cards and general purpose reloadable debit cards with magnetic encoding and embedded microchip; downloadable mobile applications in the field of financial management and financial wellness that allow users to manage debit card accounts and general purpose reloadable debit cards and the money therein, view financial transactions, transfer money, and pay bills

Issuing debit cards and general purpose reloadable debit cards; financial administration of debit card accounts and electronic funds transfer in the nature of the loading and reloading of funds into those accounts; debit card incentive programs, namely, providing cash back rewards to debit card account holders for debit card use as part of a customer loyalty program