PERSONAL KARMA

Downloadable computer application software for mobile phones and handheld computers, namely, software which tracks expenses and payments and makes charitable contributions based upon usage

Providing incentive award programs for credit card customers through issuance and processing of charitable contributions to selected charitable programs based on points issued for using the card

Financial services, namely, charge card, gift card, credit card and payment transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payment in the nature of related charitable contributions based on usage points; Providing charitable contributions for credit card use as part of a customer loyalty program; Promoting charities by donating a portion of credit cards revenue to selected charities

Providing temporary use of online non-downloadable software for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making aggregated charitable donations to selected charities based on card usage; Software as a service (SAAS) services featuring a computer software platform for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making automated aggregated charitable donations to selected charities based on usage