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Downloadable software for accessing accrued income and payroll funds, accessing bank funds, tracking financial transactions, providing real-time financial transaction notices, managing financial account balance, accessing financial information, accessing banking information, accessing credit monitoring information, accessing credit card information, providing balance alerts and spending alerts, organizing funds into different categories for budget planning, creating bank account balance rules; Downloadable mobile applications for accessing accrued income and payroll funds, accessing bank funds, tracking financial transactions, providing real-time financial transaction notices, managing financial account balance, accessing financial information, accessing banking information, accessing credit monitoring information, accessing credit card information, providing balance alerts and spending alerts, organizing funds into different categories for budget planning, creating bank account balance rules

Incentive award programs to promote the sale of products and services of others, namely, providing reward incentives to users through the distribution of discount offers and promotions; Monitoring consumer credit reports and providing an alert as to any changes therein for business purposes

Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Payment and funds verification services; Financial analyses; Financing services; Banking services; Credit consultation; Credit risk management; Credit and financial consultation; Credit counseling services; Evaluation of credit bureau data; Credit scoring services; Credit rating services; Credit building services, namely, providing personal loans and lines of credit for improving credit history and credit profiles for consumers; Providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; Issuing credit cards; Processing of credit card payments; On-line banking services featuring electronic alerts that alert credit and debit card users when a single transaction exceeds a certain amount

Providing temporary use of on-line non-downloadable software and applications for accessing accrued income and payroll funds, accessing bank funds, tracking financial transactions, providing real-time financial transaction notices, managing financial account balance, accessing financial information, accessing banking information, accessing credit monitoring information, accessing credit card information, providing balance alerts and spending alerts, organizing funds into different categories for budget planning, creating bank account balance rules; Providing a web site featuring temporary use of non-downloadable software for accessing accrued income and payroll funds, accessing bank funds, tracking financial transactions, providing real-time financial transaction notices, managing financial account balance, accessing financial information, accessing banking information, accessing credit monitoring information, accessing credit card information, providing balance alerts and spending alerts, organizing funds into different categories for budget planning, creating bank account balance rules; Software design and development; Computer technical support services, namely, 24/7 service desk or help desk services for IT infrastructure, operating systems, database systems, and web applications