9 magnetically encoded debit cards and credit cards; downloadable software allowing users to search, identify, and redeem loyalty reward offers; 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 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 for transferring money; downloadable software for transferring funds to and from others; downloadable software that allows users to obtain early access to earned wages; downloadable software that allows users to obtain a line of credit for early access to income; downloadable software that allows user to obtain access to cash advances; Downloadable software that enables users to access tax preparation services and tax filing services provided by third parties; Downloadable software for the administration of employee benefit plans; downloadable software for the administration of employee loyalty rewards programs; downloadable software in the nature of a mobile application featuring an employee loyalty rewards program whereby participants accumulate points based on the amount of time worked that can be redeemed for financial, travel, and experiential rewards; downloadable software for comparing, managing, and purchasing insurance offered by third parties; downloadable software for providing information about insurance offered by third parties; downloadable software that enables users to access securities trading and investment services provided by third parties; downloadable software that enables users to access financial counseling services and financial management services provided by third parties; downloadable software that enables users to access financial counseling services via third-party partnerships