Electronic banking via a global computer network; On-line banking services; Online banking services accessible by means of downloadable mobile applications; Banking consultation; Clearing and reconciling financial transactions via a global computer network; Providing a wide variety of banking services and providing financial services, namely, credit card services, processing and transmission of bills and payments thereof, and insurance for financial transactions conducted via global computer network; Financial services, namely, electronic funds transfer via electronic communications networks; Clearing and reconciling financial transactions via electronic communications networks; Providing a wide variety of payment and financial services, namely, credit card services, issuing credit cards and lines of credit, processing and transmission of bills and payments thereof, bill payment services with guaranteed payment delivery, and brokerage of money market funds, all conducted via a global communications network; Bill payment services; Providing electronic mobile payment services for others; Financial services, namely, providing, processing, verifying, and authenticating mobile payments, and contactless credit and debit card transactions, loyalty reward card transactions, and bill payment transactions with retailers, merchants, and vendors via mobile devices; Providing financial information by electronic means, namely, providing credit and debit card information; Financial services, namely, processing and administration of mobile payments and contactless debit and credit card transactions, loyalty reward card transactions, and bill payment transactions with retailers, merchants, and vendors via mobile devices

Software as a service (SAAS) services featuring software for enabling consumers to access and manage their bank accounts, manage their debit and credit cards and usage, conduct bank transactions, seek investment advice, complete banking related intents and actions, provide data regarding preferences to customize their experience with the application and receive promotions from their bank regarding their preferences and to provide a concierge service to consumers; Software as a service (SAAS) services featuring software for enabling a personalized banking experience, namely, concierge and banking services to consumers about customized products and services based on consumer preferences and data that consumers share; Software as a service (SAAS) services featuring software for web-based access to applications and services; Software as a service (SAAS) services featuring software for using artificial intelligence, text recognition and natural language understanding for communicating with online banking customers; Software as a service (SAAS) services featuring software for providing interactive message services for customers; Software as a service (SAAS) services featuring software for facilitating interaction, connections, and conversations between users in the digital engagement, conversational commerce, messaging, artificial intelligence, bots and automation, and customer engagement; Software as a service (SAAS) services featuring software for online social networking; Software as a service (SAAS) services featuring software for concierge service in the nature of providing personalized and customized communications, customer support, and features and offers based on consumer preferences and data collected from the user; Providing temporary use of on-line non-downloadable authentication software for controlling access to and communications with computers and computer networks; Software as a Service (SaaS) services featuring software for processing electronic payments to and from others; Software as a Service (SaaS) services featuring software for authentication; Software as a Service (SaaS) services featuring software for processing mobile payments; Software as a Service (SaaS) services featuring software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; Software as a Service (SaaS) services featuring software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; Software as a Service (SaaS) services featuring software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; Software as a Service (SaaS) services featuring software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information; Software as a service (SAAS) services featuring software for web-based access to applications and services for managing bank accounts, managing debit and credit cards and usage, conducting bank transactions, and seeking banking and investment advice; Software as a service (SAAS) services featuring software for enabling a personalized banking experience with respect to managing bank accounts, managing debit and credit cards and usage, conducting bank transactions, and seeking banking and investment advice

Online personal concierge services for others comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs