Downloadable computer software, namely, web site development software; downloadable computer software, namely, communications software for connecting computer network users to facilitate client servicing, such as scheduling mutually convenient discussions and promote the communication, payments, data and file sharing and messaging; downloadable computer software, namely, computer e-commerce software to allow users to perform electronic business transactions via a global computer network; computer software and computer hardware for facilitating communication between customer and website owner, scheduling communications between customer and website owner, prompting customer to disclose the purpose of communications with the website owner at the website, and encouraging customer to provide inquiries for the website owner to answer and as a result increase the website's effectiveness; computer software for providing an on-line database in the field of transaction processing to upload transactional data, provide statistical analysis, and produce notifications and reports; 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