JOY

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

Financial information and evaluations; Financial services, namely, money lending; Provision of savings accounts; Personal financial management services; online banking; financial transaction services, namely, budget planning in the nature of income and expense transaction tracking; financial planning; financial management; financial analysis; financial management services, namely, tracking of expenses; forecasting and analysis of financial data; financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis; financial administration and management services for the management of credit and debit cards, loans, mortgages, investments and financial accounts; providing information, news, opinions and advice in the fields of banking, financial management, saving and financial planning and retirement financial planning, including via computer and communication networks, the internet, and social media; providing financial information, news, opinion and advice in the fields of personal budgeting and household budgeting, including via computer and communication networks, the internet, and social media; providing financial information, news, opinions and advice in the field of consumer spending, including via computer and communication networks, the internet, and social media; Processing electronic payments and transferring funds to and from others; Transferring funds between financial accounts; Personal financial management services, 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; personal financial management that guides users via artificial intelligence in the form of virtual coaches; Financial planning, namely, the creation of personalized strategies to achieve financial independence; Financial counseling services, namely, helping others build a better working relationship with their money

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

Psychological counseling in the field of wellness

Conducting on-line personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs