KARMIC LABS

Downloadable computer software for managing cash flow and expenses with purchasing and mobile payment systems by managing, tracking and reporting on use of credit, debit, pre-paid, gift, online charge, smart, contactless and key fob cards; Downloadable mobile applications for managing cash flow and expenses with purchasing and mobile payment systems by managing, tracking and reporting on use of credit, debit, pre-paid, gift, online charge, smart, contactless and key fob cards

Electronic payment services involving electronic processing and subsequent transmission of bill payment data

Providing temporary use of a non-downloadable web application for managing cash flow and expenses with purchasing and mobile payment systems by managing, tracking and reporting on use of credit, debit, pre-paid, gift, online charge, smart, contactless and key fob cards