Downloadable mobile application for use as a digital wallet, digital assistant, and digital advisor; Downloadable mobile application for automating credit card benefits programs; Downloadable mobile application for managing credit cards; downloadable mobile application for optimizing credit card benefits programs.

Software as a service (SAAS) services featuring software for credit card rewards optimization; Software as a service (SAAS) services featuring software for providing geo-location based credit card recommendation to maximize loyalty points and rewards; Software as a service (SAAS) services featuring software for providing transaction notifications and spending tracking tools; Software as a service (SAAS) services featuring software for tracking credit card rewards, miles and points; Software as a service (SAAS) services featuring software for optimizing credit card rewards programs and loyalty programs