HAPPY SPEND

Downloadable software enabling users to view personal financial information and evaluations; downloadable software providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; Downloadable software for personal financial management; Downloadable software for online banking, financial transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; Downloadable software for forecasting and analysis of financial data; Downloadable software for financial data aggregation; Downloadable software for providing banking, financial and bill payment alerts; Downloadable software for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; Downloadable software for use in processing electronic payments and transferring funds to and from others; Downloadable software for use in transferring funds between financial accounts; Downloadable software for personal financial management, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; Downloadable software for personal financial management that guides users via artificial intelligence in the form of virtual coaches; Downloadable software providing personalized strategies to achieve financial independence

Software as a service featuring software that enables users to view financial information and evaluations; Software as a service providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; Software as a service for personal financial management; Software as a service for online banking, financial transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; Software as a service for forecasting and analysis of financial data; Software as a service for providing banking, financial and bill payment alerts; Software as a service for enabling users to wirelessly view personal financial data and databases; Software as a service for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; Software as a service for use in processing electronic payments and transferring funds to and from others; Software as a service for use in transferring funds between financial accounts; Software as a service for personal financial management, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; software as a service for personal financial management that guides users via artificial intelligence in the form of virtual coaches; artificial intelligence for financial management; software as a service providing personalized strategies to achieve financial independence