DAVE OPERATING LLC

Description: Financial credit and monetary depository services, namely, deposit account services and electronic transfer of funds to and from others; banking services featuring discretionary approval and payment of account overdrafts by customers; financial analysis; financial data aggregation, namely, electronically compiling and analyzing financial statistics, data and other sources of financial information and account data into a single location for financial purposes; rent-related payment services provided to renters

Description: Class 9: Magnetically encoded credit cards
Class 36: Issuing credit cards; Credit card transaction processing services; Credit card payment processing services; providing electronic processing of credit card transactions and electronic payments via a mobile application; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Financial administration of credit card accounts; Credit card authorization services; Providing financial information in the field of credit cards, processing electronic payments, and monitoring of financial transactions; financial services, namely, providing installment loans accessed via credit cards; Fraud reimbursement services in the field of credit card purchases; credit risk management; credit card verification services
Class 42: Electronic monitoring of credit card activity to detect fraud via the internet

Description: Downloadable mobile application software for use in searching and submitting applications for available job listings and conducting consumer surveys for cash rewards; downloadable mobile application software for use in providing banking services, checking and savings account services, debit card services, and credit card services; downloadable mobile application software for use in providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments, for use in processing electronic payments and transferring funds to and from others and for use in performing electronic funds transfer; downloadable mobile application software for use in analyzing and providing credit score information; downloadable mobile application software for use in managing and arranging of loans; downloadable mobile application software for use in monitoring, managing and providing overdraft protection and cash advance loans; downloadable mobile application software for use in monitoring financial transactions and account balances; downloadable mobile application software for use in performing budget planning, financial management and financial planning; downloadable mobile application software for use in arranging, monitoring and managing buy now pay later (BNPL) financing loans; downloadable mobile application software for use in electronic processing of credit card payment transactions for buy now pay later (BNPL) installment loan payments; Financial services, namely, banking services, checking and savings account services, debit card services, credit card services; Financial services, namely, money lending and cash advance services; Financial services, namely, overdraft protection services in the nature of money lending; Financial credit scoring services; Financial advice, namely, budget planning; processing electronic payments and transferring funds to and from others, namely, Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing financial information in the fields of banking, checking and savings accounts, debit cards, credit card, banking deposits, direct deposits, money lending and cash advances, overdraft protection, credit scores, budgeting, processing electronic payments and transferring funds to and from others, monitoring of financial transactions and account balances, financial management, spending, saving and financial planning; financial analysis; financial data aggregation, namely, electronically compiling and analyzing statistics, data and other sources of financial account data into a single location for financial purposes; providing buy now pay later (BNPL) financial services and other forms of credit, namely, installment loans; Issuance of buy now pay later services, namely, providing personal loans and lines of credit; buy now pay later (BNPL) bill payment services; issuing buy now pay later (BNPL) credit cards and personal loans; processing electronic payments for the repayment of buy now pay later (BNPL) installment loans; credit card and debit card payment processing services for the repayment of buy now pay later (BNPL) installment loans; electronic funds transfer to repay buy now pay later (BNPL) installment loans; transfer of funds, namely, money transfer for the repayment of buy now pay later (BNPL) installment loans; Providing an on-line searchable database featuring employment opportunities; providing online employment placement services, namely, matching workers and potential employers via a global computer network; consumer survey services; marketing services, namely, promoting or advertising the goods and services of others; Electronic monitoring of banking activity to detect fraud via the internet; electronic monitoring of checking and saving account activity to detect fraud via the internet; electronic monitoring of credit card and bank account activity to detect fraud via the internet; Providing credit risk management and verification assistance, namely helping individuals establish fraud alerts and security freezes at credit reporting agencies

Description: Downloadable mobile application software for use in searching and submitting applications for available job listings and conducting consumer surveys for cash rewards; downloadable mobile application software for use in providing banking services, checking and savings account services, debit card services, and credit card services; downloadable mobile application software for use in providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments, for use in processing electronic payments and transferring funds to and from others and for use in performing electronic funds transfer; downloadable mobile application software for use in analyzing and providing credit score information; downloadable mobile application software for use in managing and arranging of loans; downloadable mobile application software for use in monitoring, managing and providing overdraft protection and cash advance loans; downloadable mobile application software for use in monitoring financial transactions and account balances; downloadable mobile application software for use in performing budget planning, financial management and financial planning; downloadable mobile application software for use in arranging, monitoring and managing buy now pay later (BNPL) financing loans; downloadable mobile application software for use in electronic processing of credit card payment transactions for buy now pay later (BNPL) installment loan payments; Financial services, namely, banking services, checking and savings account services, debit card services, credit card services; Financial services, namely, money lending and cash advance services; Financial services, namely, overdraft protection services in the nature of money lending; Financial credit scoring services; Financial advice, namely, budget planning; processing electronic payments and transferring funds to and from others, namely, Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing financial information in the fields of banking, checking and savings accounts, debit cards, credit card, banking deposits, direct deposits, money lending and cash advances, overdraft protection, credit scores, budgeting, processing electronic payments and transferring funds to and from others, monitoring of financial transactions and account balances, financial management, spending, saving and financial planning; financial analysis; financial data aggregation, namely, electronically compiling and analyzing statistics, data and other sources of financial account data into a single location for financial purposes; providing buy now pay later (BNPL) financial services and other forms of credit, namely, installment loans; Issuance of buy now pay later services, namely, providing personal loans and lines of credit; buy now pay later (BNPL) bill payment services; issuing buy now pay later (BNPL) credit cards and personal loans; processing electronic payments for the repayment of buy now pay later (BNPL) installment loans; credit card and debit card payment processing services for the repayment of buy now pay later (BNPL) installment loans; electronic funds transfer to repay buy now pay later (BNPL) installment loans; transfer of funds, namely, money transfer for the repayment of buy now pay later (BNPL) installment loans; Providing an on-line searchable database featuring employment opportunities; providing online employment placement services, namely, matching workers and potential employers via a global computer network; consumer survey services; marketing services, namely, promoting or advertising the goods and services of others; Electronic monitoring of banking activity to detect fraud via the internet; electronic monitoring of checking and saving account activity to detect fraud via the internet; electronic monitoring of credit card and bank account activity to detect fraud via the internet; Providing credit risk management and verification assistance, namely helping individuals establish fraud alerts and security freezes at credit reporting agencies

Description: Financial credit and monetary depository services, namely, deposit account services and electronic transfer of funds to and from others; banking services featuring discretionary approval and payment of account overdrafts by customers; financial analysis; financial data aggregation, namely, electronically compiling and analyzing financial statistics, data and other sources of financial information and account data into a single location for financial purposes

Description: Downloadable software for use in underwriting analysis of cash flow, data points, using artificial intelligence to determine eligibility for cash advances; Artificial intelligence based underwriting analyzing multiples data points to determine Cash Advance eligibility using different data points including income, irregular employment, bank balance, spending patterns and client financial history in the field of micro-loan or cash advance origination; downloadable application programming interface (API) software; Downloadable mobile application software using artificial intelligence for underwriting analyzing multiples data points to determine Cash Advance eligibility using different data points including income, irregular employment, bank balance, spending patterns and client financial history in the field of micro-loan origination process automation;; Cash advance services using artificial intelligence to determine advance amount; Money lending services using artificial intelligence to determine advance amount; Providing cash advances for an online challenger bank customers using artificial intelligence; Providing cash advances using artificial intelligence for online banking customers; Providing cash advances for banking customers using artificial intelligence; Financial services, namely, microfinance lending services using artificial intelligence to determine advance amount; Financial services, namely, money lending using artificial intelligence; Financial analysis and research services using artificial intelligence; Online banking services accessible by means of downloadable mobile applications; Providing financial assistance for rent and utilities, food, travel, prescription cost and other necessities of life; online banking; financial transaction services, namely, budget planning in the nature of consumer checking of savings accounts, prepaid debit cards and credit cards using artificial intelligence; financial planning; financial management; financial analysis using artificial intelligence; financial management services, namely, tracking of personal and business expenses using artificial intelligence; forecasting and analysis of financial data using artificial intelligence; financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis using artificial intelligence; financial administration and management services for the management of credit and debit cards, loans, mortgages, investments and financial accounts; providing financial information, news, opinions and advice in the fields of banking, financial management, saving and financial planning and retirement financial planning, including via computer and communication networks, the internet, and social media; providing financial information, news, opinion and advice in the fields of personal budgeting and household budgeting, including via computer and communication networks, the internet, and social media; Online banking services accessible by means of downloadable mobile applications providing users with a non interest bearing demand deposit account used to hold customers deposits and make payments and transfers between accounts users may have at other banks.; Software as a service (SAAS) services featuring software for automated and customized personal financial management of personal financial accounts using artificial intelligence, monitoring of transactions and account balances, budget and spending reporting and bill presentment and payment; Computer services, namely, remote management of information technology (IT) systems of others comprised of providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts using artificial intelligence, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services using artificial intelligence; Design and development of computer software for providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, cash advances presentment and payment services using artificial intelligence; Providing technology information in the field of providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, cash advances presentment and payment services using artificial intelligence; Computer programming services, namely, providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services using artificial intelligence.

Description: Downloadable computer application software for mobile phones, namely, software for providing automated and customized personal financial management via downloadable software on the web and via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services

Description: "CASH"

Description: Downloadable computer application software for mobile phones, namely, software for providing automated and customized personal financial management via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services

Description: "FINANCIAL"

Description: Software as a service (SAAS) services featuring software for automated and customized personal financial management of personal financial accounts, monitoring of transactions and account balances, budget and spending reporting and bill presentment and payment; Computer services, namely, remote management of information technology (IT) systems of others comprised of providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services; Design and development of computer software for providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services; Providing technology information in the field of providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services; Computer programming services, namely, providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services

Description: Downloadable computer application software for mobile phones, namely, software for providing automated and customized personal financial management via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services | Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financial analysis and research services; Online banking services accessible by means of downloadable mobile applications; Providing financial assistance for rent and utilities, food, travel, prescription cost and other necessities of life; Loan comparison and originating services, namely, proving loan financing, personal loans, peer-to-peer loans, lending products that match investors with borrowers, student loans, credit cards payment processing services, credit card refinancing, Personal and small business financial management services; online banking; financial transaction services, namely, budget planning in the nature of income and expense transaction tracking or forecasting, consumer checking of savings accounts, prepaid debit cards and credit cards; financial planning; financial management; financial analysis; bill payment services in the nature of scheduling and payment of bills; financial management services, namely, tracking of personal and business expenses; forecasting and analysis of financial data; financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis; financial administration and management services for the management of credit and debit cards, loans, mortgages, investments and financial accounts; providing information, news, opinions and advice in the fields of banking, financial management, saving and financial planning and retirement financial planning, including via computer and communication networks, the internet, and social media; providing information, news, opinion and advice in the fields of personal budgeting and household budgeting, including via computer and communication networks, the internet, and social media; providing financial information, news, opinions and advice in the field of consumer spending, including via computer and communication networks, the internet, and social media

Description: Financial intermediary services, namely, facilitating the channeling of funds between lenders and borrowers by connecting those with a financial surplus with those having a financial deficit; Market analysis and research services; Market intelligence services; Market research services; Market research services in the field of Financial intermediary services, namely, facilitating the channeling of funds between lenders and borrowers by connecting those with a financial surplus with those having a financial deficit; Marketing services; Marketing, advertising, and promoting the retail goods and services of others through wireless electronic devices; Promotional marketing services using audiovisual media; Advertising and marketing; Advertising, marketing and promotion services; Direct marketing services; Providing marketing services for personal loans, business loans, loan financing, credit card refinancing, peer to peer loans; Providing marketing services for providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances and payment services; Marketing services in the nature of promotion of third-party goods and services by brand ambassadors; Marketing services in the nature of advertising, and promoting the retail goods and services of others through wireless electronic devices and via mobile marketing and wireless networks for display on mobile devices; Marketing services, namely, promoting or advertising the goods and services of others; Marketing advisory services; Marketing analysis services; Marketing research services; Marketing the goods and services of others; Marketing the goods and services of others by means of location-based messaging; Marketing, promotional and advertising services provided by mobile telephone connections; Advertising services, public relations and marketing services, namely, promoting and marketing the goods and services of others through all public communication means; Advertising and marketing services provided by means of indirect methods of marketing communications, namely, social media, search engine marketing, inquiry marketing, internet marketing, mobile marketing, blogging and other forms of passive, sharable or viral communications channels; Advertising and marketing services, namely, promoting the goods and services of others; Advertising, marketing, and promoting the goods and services of others via mobile applications, websites, and social media channels; Business marketing services; On-line advertising and marketing services; Promoting and marketing the goods and services of others by mobile applications, websites, and social media channels; Targeted marketing services

Description: Downloadable computer application software for mobile phones, namely, namely, software for providing automated and customized personal financial management and customized management of personal financial accounts, monitoring of financial transactions and financial account balances, monitoring of future financial transactions based on algorithmic prediction, and pay check advances presentment and bill payment services | Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financial analysis and research services; Online checking and savings banking services accessible by means of downloadable mobile applications; Providing online checking and savings account services for elegible customers accessible by means of downloadable mobile applications; Providing financial assistance for rent and utilities, food, travel, prescription cost and other necessities of life; Loan comparison and originating services, namely, proving loan financing, personal loans, peer-to-peer loans, lending products that match investors with borrowers, student loans, credit cards payment processing services, credit card refinancing, Personal and small business financial management services; online banking; financial advice, namely, budget planning; consumer checking and savings account services; issuing prepaid debit cards and credit cards; financial planning; financial management; financial analysis; bill payment services in the nature of scheduling and payment of bills; financial management services, namely, tracking of personal and business expenses; forecasting and analysis of financial data; financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis; financial administration and management services for the management of credit and debit cards, loans, mortgages, investments and financial accounts; providing information, news, opinions and advice in the fields of banking, financial management, saving and financial planning and retirement financial planning, including via computer and communication networks, the internet, and social media; providing financial information, news, opinion and advice in the fields of personal budgeting and household budgeting, including via computer and communication networks, the internet, and social media; providing financial information, news, opinions and advice in the field of consumer spending, including via computer and communication networks, the internet, and social media | Software as a service (SAAS) services featuring software for automated and customized personal financial management of personal financial accounts, monitoring of transactions and account balances, budget and spending reporting and bill presentment and payment; Computer services, namely, remote management of information technology (IT) software systems of others, namely, remote management of software for automated and customized personal financial management, customized management of personal financial accounts, monitoring of financial transactions and account balances, monitoring of future financial transactions based on algorithmic prediction, pay check advances presentment and bill payment services; Design and development of computer software for providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services; Providing technology information in the field of providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services; Computer programming services in the field of software for the automated and customized personal financial management via the web and/or via a downloadable application on mobile devices, namely, software for the customized management of personal financial accounts, monitoring of financial transactions and account balances, monitoring of future financial transactions based on algorithmic prediction, pay check advances presentment and payment services

Description: Downloadable computer application software for mobile phones, namely, software for providing automated and customized personal financial management, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services

Description: Class 35: Financial intermediary services, namely, facilitating the channeling of funds between lenders and borrowers by connecting those with a financial surplus with those having a financial deficit; Marketing services; Marketing, advertising, and promoting the retail goods and services of others through wireless electronic devices; Promotional marketing services using audiovisual media; Advertising and marketing; Advertising, marketing and promotion services; Direct marketing services; Providing marketing services for personal loans, business loans, loan financing, credit card refinancing, peer to peer loans; Providing marketing services for providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances and payment services
Class 42: Software as a service (SAAS) services featuring software for automated and customized personal financial management of personal financial accounts, monitoring of transactions and account balances, budget and spending reporting and bill presentment and payment; Computer services, namely, remote management of information technology (IT) systems of others comprised of automated and customized personal financial management via software on an online website and non-downloadable Internet-based software application; Providing on-line, non-downloadable, Internet-based software application for providing customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services; Design and development of computer software for providing automated and customized personal financial management via software on the web and non-downloadable, Internet-based software application for providing customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services; Providing technology information in the field of providing automated and customized personal financial management via software on the web and via a non-downloadable, Internet-based software application for providing customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services

Description: Class 9: Computer application software for mobile phones, namely, software for providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services
Class 36: Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financial analysis and research services; Online banking services accessible by means of downloadable mobile applications; Providing financial assistance for rent and utilities, food, travel, prescription cost and other necessities of life; Loan comparison and originating services, namely, proving loan financing, personal loans, peer-to-peer loans, lending products that match investors with borrowers, student loans, credit cards payment processing services, credit card refinancing, Personal and small business financial management services; online banking; financial transaction services, namely, budget planning in the nature of income and expense transaction tracking or forecasting, consumer checking of savings accounts, prepaid debit cards and credit cards; financial planning; financial management; financial analysis; bill payment services in the nature of scheduling and payment of bills; financial management services, namely, tracking of personal and business expenses; forecasting and analysis of financial data; financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis; financial administration and management services for the management of credit and debit cards, loans, mortgages, investments and financial accounts; providing information, news, opinions and advice in the fields of banking, financial management, saving and financial planning and retirement financial planning, including via computer and communication networks, the internet, and social media; providing information, news, opinion and advice in the fields of personal budgeting and household budgeting, including via computer and communication networks, the internet, and social media; providing financial information, news, opinions and advice in the field of consumer spending, including via computer and communication networks, the internet, and social media

Description: Computer application software for mobile phones, namely, software for providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services | Financial intermediary services, namely, facilitating the channeling of funds between lenders and borrowers by connecting those with a financial surplus with those having a financial deficit | Financial services, namely, microfinance lending services; Financial services, namely, money lending; Financial analysis and research services; Online banking services accessible by means of downloadable mobile applications; Providing financial assistance for rent and utilities, food, travel, prescription cost and other necessities of life; Loan comparison and originating services, namely, proving loan financing, personal loans, peer-to-peer loans, lending products that match investors with borrowers, student loans, credit cards payment processing services, credit card refinancing, Personal and small business financial management services; online banking; financial transaction services, namely, budget planning in the nature of income and expense transaction tracking or forecasting, consumer checking of savings accounts, prepaid debit cards and credit cards; financial planning; financial management; financial analysis; bill payment services in the nature of scheduling and payment of bills; financial management services, namely, tracking of personal and business expenses; forecasting and analysis of financial data; financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis; financial administration and management services for the management of credit and debit cards, loans, mortgages, investments and financial accounts; providing information, news, opinions and advice in the fields of banking, financial management, saving and financial planning and retirement financial planning, including via computer and communication networks, the internet, and social media; providing information, news, opinion and advice in the fields of personal budgeting and household budgeting, including via computer and communication networks, the internet, and social media; providing financial information, news, opinions and advice in the field of consumer spending, including via computer and communication networks, the internet, and social media | software as a service (SAAS) services featuring software for automated and customized personal financial management of personal financial accounts, monitoring of transactions and account balances, budget and spending reporting and bill presentment and payment; Computer services, namely, remote management of information technology (IT) systems of others comprised of providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services; Design and development of computer software for providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services; Providing technology information in the field of providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services; Computer programming services, namely, providing automated and customized personal financial management via software on the web and/or via a downloadable application on mobile devices, namely, customized management of personal financial accounts, monitoring of transactions and account balances, monitoring of future transactions based on algorithmic prediction, pay check advances presentment and payment services