SMARTPAYNOW Trademark

Cloud computing featuring non-downloadable software for end-to-end tracking and reporting of transaction fulfillment, invoice receipt, invoice approval for payment, transaction processing, payment processing, financial reconciliation, and audit reporting for business purposes; cloud computing featuring non-downloadable software for data validation, electronic document authentication for business records, and document lifecycle management, namely, creation, retrieval, electronic storage, and controlled disposal of business and financial documents; cloud computing featuring non-downloadable software for automating payment processing via cloud-based software across multiple payment types, namely, electronic funds transfer, instant payment networks, payment card payments, virtual payment card payments, and digital currency payment processing via blockchain-based networks; cloud computing featuring non-downloadable software for automating approval workflows and compliance controls for financial and payment transactions using artificial intelligence to apply predefined business rules, regulatory requirements, and organizational policies.