Downloadable computer software for personal financial management; downloadable computer software for financial planning, financial management; downloadable computer software for enabling users to retrieve financial transaction information using mobile phones, smart phones, and mobile telecommunication networks; downloadable computer software for management of electronic payments and money transfers; downloadable computer software in the nature of a mobile application for personal accounting and financial management; downloadable computer software for use in connecting consumers with third-party financial services; downloadable computer software for use in providing automated personal financial management services; downloadable computer software for customers to directly deposit tax refunds into accounts at financial institutions; downloadable software in the nature of a mobile application for processing tax payments, financial management, generating and submitting applications for financial services and for organizing, tracking and reporting tax-deductible, personal and small business expenses; downloadable computer software for online banking, transaction management, bill tracking and management, expense tracking and management and accounting; downloadable computer software for creating reports and graphs; downloadable computer software for forecasting and analysis of data; downloadable computer software for data aggregation; downloadable computer software for providing banking, financial and bill payment alerts; downloadable computer software for providing wireless access to data and databases; downloadable computer software for enabling users to retrieve financial account balances using mobile phones, smart phones, and mobile telecommunication networks; magnetically encoded credit cards and prepaid debit cards

Financial management services via global computer networks; providing information to consumers in the fields of personal financial management; financial risk assessment services, namely, financial risk scoring and modeling; providing financial history, payment history, loan and debt burden information to consumers; providing financial data analysis for financial purposes and financial advice; providing information on optimizing interest and minimizing fees for financial and card based accounts; on-line banking services enabling users to directly deposit tax refunds into accounts at financial institutions; debit account and refund account services for the payment and deposit of tax refunds provided through computer readable cards, debit cards and electronic funds transfer; transaction processing services for financial institutions and consumers, namely, processing of credit card transactions, debit card transactions, prepaid card transactions, and tax refund payments; Automated Clearing House (ACH) transaction processing services related to deposits of tax refunds; banking services, namely, online debit, pre-paid, stored-value and reloadable card balance and account tracking services accessed via secure internet banking platforms; providing online banking services, namely, optimizing interest and fees for financial and card accounts; providing information to consumers in the fields of small business financial management; credit scoring services; online banking services; issuance of credit cards and prepaid credit cards; electronic payment processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; electronic money transfer services; bill payment services; credit reporting services

Providing temporary use of online non-downloadable computer software for personal financial management; providing temporary use of online non-downloadable computer software for financial planning, financial management; providing temporary use of online non-downloadable computer software for enabling users to retrieve financial transaction information using mobile phones, smart phones, and mobile telecommunication networks; providing temporary use of online non-downloadable computer software for management of electronic payments and money transfers; providing temporary use of online non-downloadable computer software in the nature of a mobile web application for personal accounting and financial management; providing temporary use of online non-downloadable computer software for use in connecting consumers with third-party financial services; providing temporary use of online non-downloadable computer software for use in providing automated personal financial management services; providing temporary use of online non-downloadable computer software for customers to directly deposit tax refunds into accounts at financial institutions; providing temporary use of online non-downloadable software in the nature of a mobile web application for processing tax payments, financial management, generating and submitting applications for financial services and for organizing, tracking and reporting tax-deductible, personal and small business expenses; providing temporary use of online non-downloadable computer software for online banking, transaction management, bill tracking and management, expense tracking and management and accounting; providing temporary use of online non-downloadable computer software for creating reports and graphs; providing temporary use of online non-downloadable computer software for forecasting and analysis of data; providing temporary use of online non-downloadable computer software for data aggregation; providing temporary use of online non-downloadable computer software for providing banking, financial and bill payment alerts; providing temporary use of online non-downloadable computer software for providing wireless access to data and databases; providing temporary use of online non-downloadable computer software for enabling users to retrieve financial account balances using mobile phones, smart phones, and mobile telecommunication networks; providing temporary use of online non-downloadable computer software for management of credit cards, debit cards, and prepaid cards; electronic monitoring of credit card activity and credit reports to detect fraud via the internet