SMARTBX

Application software, namely, downloadable mobile application software to manage customer service operations for energy, utilities, billing and payment workflows, field service coordination, customer relationship management, case handling, campaign management, and business insights; software that provides utility customer service agents and administrators with real-time access to customer data, payment history, service orders, usage patterns, and portfolio information . Platform software; collaboration software platforms in the nature of downloadable software to support customer service functions such as case management, impersonation, real-time updates, program management, and campaign execution, enabling agents to deliver faster resolutions and personalized support. Downloadable computer programs using artificial intelligence for payment transfers; payment software, namely, downloadable computer software for managing electronic payment transactions for online marketplaces of goods authenticated by non-fungible tokens (NFTs); electronic payment terminals; e-payment software, namely, downloadable software for conducting electronic payment transactions among users; online payment software, namely, downloadable software for conducting electronic payment transactions among users; magnetically encoded payment cards, namely, gift cards and charge cards; e-commerce and e-payment software, namely, downloadable software for conducting electronic payment transactions; application software for mobile payment, namely, downloadable software for conducting electronic payment transactions; apparatus for processing electronic payments, namely, computers including laptops, desktops, smartphones, and tablets. Application programming interface, downloadable, for online banking payment; application programming interface, downloadable, for online banking payment; electronic and magnetic ID cards for use in connection with payment for services; IoT gateway routers; IoT gateways, namely, gateway routers; intelligent gateways for communication, namely, gateway routers; intelligent gateways for data pre-processing, namely, gateway routers; intelligent gateways for real-time data analysis, namely, gateway routers.

Financial, monetary and banking services, namely, financial analysis, banking services; insurance services; payment processing, namely, digital payment services tailored for the energy and utility sector, enabling secure, flexible, and multi-channel payment processing across web, mobile apps, kiosks, POS systems, wallets, ACH, credit/debit cards, and e-checks; enabling utilities to integrate payment APIs for banking partners, support electronic processing of transactions via global networks, and issue or validate prepaid balance and rewards-based payment options as part of customer incentive programs. Automated payment, namely, bill payment services; reimbursement payment processing in the field of utility services . Payment card services, namely, charge card and credit card payment processing services; charge card payment processing; electronic bill payment services; payment and credit services, namely, charge card and credit card payment processing services; e-wallet payment services, namely, processing of electronic wallet payments; online bill payment services, namely, electronic payment services involving electronic processing and subsequent transmission of bill payment data; bill payment services; automated payment of accounts, namely, bill payment services; issuance of prepaid payment cards, namely, issuance of prepaid gift cards; loyalty point payment processing services, namely, providing cash and other rebates for credit card use as part of a customer loyalty program; electronic foreign exchange payment processing; processing of electronic cheque payments; financial transfers and transactions, and payment services, namely, bill payment services through automated and customer-initiated workflows . Bill payment services provided through a website; bill payment services provided through a website; electronic processing of electronic payments via a global computer network; bank card, credit card, debit card, and electronic payment card services, namely, providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; issuing electronic payment cards in connection with bonus and reward schemes, namely, issuance of credit cards; providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores.

Telecommunications services, namely, real-time, interactive communication across web, mobile, and service agent platforms; real-time alerts and notifications of billing alerts, outage notifications, payment reminders, service updates, and marketing messages through SMS, email, push notifications, IVR, WhatsApp, chatbots, and AI agents; communications gateway services to ensure reliable and secure message routing between backend systems and customer-facing interfaces; configure and send proactive alerts; automate campaign notifications and manage two-way communications that enhance customer experience and accelerate service resolution. Providing electronic transmission of credit card transaction data and electronic payment data via a global computer network; telecommunications gateway services; telecommunication gateway services.

Scientific and technological services and research and design relating thereto, namely, scientific research, engineering services; industrial analysis being engineering, industrial research in the field of scientific and technological design and development of AI-powered software platforms; and industrial design services in the field of software architecture and software engineering for the energy and utility industry. Research and development in the field of application programming interfaces for online banking payment.