Computer e-commerce software to allow users to perform electronic business transactions via a global computer network; Computer software for processing electronic payments and transferring funds to and from others; authentication software for controlling access to and communications with computers that may be downloaded from a global computer network and/or recorded on computer media; magnetically encoded credit cards and payment cards; Computer software for processing electronic payments to and from others that may be downloaded from a global computer network and/or recorded on computer media; authentication software that may be downloaded from a global computer network and/or recorded on computer media; Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Computer application software for mobile phones, pda's, portable computers, and other devices, namely, e-commerce software to facilitate financial transactions for buyers and sellers of a wide variety of goods and services