Issuance and distribution of virtual credit and debit cards; administering virtual credit and virtual debit card programs; virtual credit and virtual debit card registration and account management services; virtual credit and virtual debit card transaction processing; financing loans for business payments through use of virtual credit and virtual debit cards; electronic processing of virtual credit and virtual debit card transactions; commercial and online financial services in the nature of expense analysis, budget planning and expense management; Savings account services; Bill Payment Services ; Bill payment services provided through a website; Bill payment services provided via a mobile application; Business administration of loyalty reward programs for enabling participants to obtain cashback rewards through use of virtual credit cards and virtual debit cards; promoting the membership of virtual credit and debit card accounts through the administration of incentive award programs; tracking, comparing and monitoring online advertising expenses for others for cost accounting purposes; Software as a service (SAAS) featuring software for facilitating and tracking virtual credit card and virtual debit card transactions; Providing online non-downloadable software for facilitating virtual credit card and virtual debit card transactions through electronic means via wireless networks, global computer networks and mobile telecommunications networks; providing online non-downloadable computer software that provides management of and alerts regarding virtual credit cards and virtual debit cards, card requests, balances, credit, spending, spending analysis, budgeting, loyalty rewards and offers including cashback; Providing temporary use of on-line non-downloadable computer software for use as a digital wallet
