Computer software development tools; Computer software for use as an application programming interface (API); Application programming interface (API) for computer software which facilitates the operation of an online community for e-commerce transactions; Application programming interface (API) for computer software which facilitates the operation of e-commerce software to allow users to perform electronic business transactions via a global computer network; Application programming interface (API) for computer software which facilitates the operation of e-commerce software to allow users to perform electronic business transactions via a global computer network and for allowing data retrieval, upload, download, access, and management; Application programming interface (API) for computer software which facilitates the operation of an online community that allows users to conduct e-commerce transactions provide evaluative feedback and ratings of users' goods and services, users' performance, delivery, and overall experience in connection therewith; 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 a web-based system and online portals in the field of e-commerce for consumers to enter, manage and modify their consumer preference information for use by vendors to create and manage offers for delivery to consumers; Advertising and information distribution services accessible by computer, phone, smartphone, tablet PC, PDA, and other electronic devices; Application service provider featuring application programming interface (API) software for e-commerce to allow users to perform electronic business transactions via a global computer network; Application service provider featuring application programming interface (API) software for operating online community for e-commerce transactions, providing evaluative feedback and ratings of users, the value and prices of users' goods and services, users' performance, delivery, and overall experience in connection therewith