Downloadable mobile application for enabling the electronic transfer of money between users; Downloadable software for enabling processing of electronic funds transfers and payments made via ACH (automated clearing house), credit card, debit card, electronic check and electronic, mobile and online payments

Providing temporary use of online non-downloadable software for telephone bill management and allocation of individual phone costs between subgroups such as users, departments, and/or projects

Downloadable mobile application for enabling the electronic transfer of money between users; Downloadable software for enabling processing of electronic funds transfers and payments made via ACH (automated clearing house), credit card, debit card, electronic check and electronic, mobile and online payments