ZYTARA

Magnetically encoded debit cards; Downloadable computer software for enabling the electronic transfer of money between users; Downloadable computer software for enabling processing of electronic funds transfers and payments made via ACH (automated clearing house), credit card, debit card, electronic check and electronic, mobile, and online payments; Downloadable computer software for accessing, viewing and managing checking accounts, credit card accounts and savings accounts, paying bills and transferring money; Downloadable computer software for securing consumer discounts, rebates, vouchers and promotions; Downloadable computer software for securing information about consumer products; Downloadable computer software for organizing, archiving and searching information about consumers' prior purchases of consumer products; Downloadable computer software for preparing budgets