9 downloadable software allowing users to search, identify, and redeem loyalty reward offers; magnetically encoded debit cards and credit cards; downloadable software for mobile phones, tablets, handheld computers and mobile devices, namely, software for accessing, viewing and managing checking accounts, credit card accounts and savings accounts, paying bills, conducting financial transactions and transferring money; downloadable software for family financial management, namely, to facilitate financial control, auditing, and to allow communication between users; downloadable software for processing electronic funds transfers and payments made via credit card, debit card, and electronic check; downloadable software to facilitate electronic, mobile and online payments