ORIGINS

Encoded smart cards containing programming used to access cardholder debit and credit accounts and complete transactions on those accounts; near field communication (NFC) technology-enabled devices, namely, bracelets, key fobs, key chains, pendants, and cards to access debit and credit accounts and conduct monetary transactions

Financial services, namely, credit repair and restoration, bill payment, virtual checking accounts, and providing funds replenishment services in connection with debit card services that permit card holders to fund debit cards, make online and telephone payment transactions, and pay for consumer services, debts and bills

Providing online website featuring technology for budget planning