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, software for consumer transactions, including electronic business transactions; Magnetically encoded credit cards; Credit cards; Credit cards without magnetic coding; RFID tags; Mobile phones; Smartphones; PDAs; Providing electronic transmission of credit card transaction data and electronic payment data via a global computer network; e-commerce services, including e-commerce transactions, auctions, consumer goods and services available for purchase, financial services, loans, credit cards, real estate sales, leases and rentals, and concierge services; Electronic commerce payment services, namely, processing payments for the purchase of goods and services via an electronic communications network; professional services