KLARA

Owner

Goods & Services

Online banking services; Mobile banking services; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Issuing of debit cards; Financial transaction services, namely, providing secure commercial transactions and payment options

Downloadable software in the nature of a mobile application for financial management, namely, software for enabling users to access and view payment-account balances and transaction histories, initiate and receive electronic funds transfers and peer-to-peer transfers, top up payment accounts, manage virtual and physical payment cards, and link and view external bank accounts through open-banking connectivity; downloadable software for providing a user interface to initiate electronic payments and for provisioning and managing payment cards for use with third-party digital-wallet services; downloadable computer programs using artificial intelligence (AI) for financial data analysis, namely, software for automatic transaction categorization, budgeting and spending analysis, cash-flow analysis and informational financial-wellness guidance, natural-language financial question-and-answer functionality, personalized financial recommendations and alerts, and expense and bookkeeping analysis; all of the foregoing excluding software for extracting or organizing securities or investment-fund documentation, contracts, or agreements, and excluding software providing computational analytics or risk assessment concerning securities or investment funds.