9 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 use in community interaction, coaching in the field of family caregiving, and financial management, namely, for financial management, financial 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; downloadable software that assists users with searching for and obtaining government benefits and entitlement dollars to save money