Cellular phone usage detection system comprising a camera and a mobile phone signal receiving device; Computer application software for mobile phones, namely, software for payments, checklists, time and location monitoring.; Computer application software for employment relationships, namely, software for mobile devices.; Computer software, namely, an application allowing sales and field service employees to update and receive data stored in an enterprise's computer databases in real time, using a mobile device, with full telephony integration with the telephone and/or software features of the mobile device; 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 software, namely, software development tools for the creation of mobile internet applications and client interfaces; Downloadable software in the nature of a mobile application for payments, checklists, time and location monitoring