Electronic cards used to process payments; software for providing financial mobile banking services; software for processing electronic payments made through various means which may include but are not limited to, payment cards and ACH for various types of payments; downloadable mobile applications for managing bank accounts; computer software used to process mobile payments; computer software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; computer software for transmitting, processing, facilitating, verifying, and authenticating debit card information and transaction and payment information; computer software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of debit card information; computer software for the storage, transmission, verification, and authentication of debit card and other payment and transaction information; computer software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile device and web based environment