9 Magnetically encoded credit cards; virtual credit card, namely, downloadable software for enabling payment via virtual credit cards; magnetically encoded pre-funded credit and debit cards; downloadable software, recorded software and downloadable mobile software applications, all for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor; downloadable software, recorded software, and downloadable mobile software applications, all for use in employee and human resource management, and data analytics therefor