Computer operating programs, recorded; Downloadable computer operating programs; Downloadable computer programs for user interface design; Downloadable interactive multimedia computer game programs; Downloadable computer programs for network management; Downloadable computer programs for project management ;computer software for facilitating and completing money transfers via email, mobile devices and global and local computer networks; computer software for collecting, analyzing and reporting business related data and information, namely, software for creating and reporting of business analytics relating to payment processing, authentication, and tracking; Computer hardware and software for making and processing payment transactions and user authentication in connection with credit cards, debit cards, gift cards, pre-paid cards, and other payment forms ;electronic devices, namely, credit card readers, electronic card readers, computer chip card readers, point of sale terminals, and related hardware and software, all for accepting, effecting, enabling, facilitating, processing, operating, authenticating users and managing payment transactions via mobile devices and local and global communications networks; computer e-commerce software to allow users to perform electronic business transactions via mobile devices, and local and global computer networks; computer software for use in issuing and providing receipts for others for electronic payments and payment transactions; computer application software for mobile phones and handheld computers, namely, software that allows consumers to make mobile payments to merchants; computer hardware and software for collecting, analyzing, and providing data and information regarding electronic payment transactions; computer software for facilitating mobile payments, and enabling consumers to use their electronic signature, personal identification number (pin), name or photo in completing mobile payment transactions; computer software for issuing receipts regarding mobile payment transactions; computer software for use in issuing invoices and collecting payment amounts due; computer software for facilitating and managing merchant-customer communications, and providing payment transaction information; 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; Downloadable software in the nature of a mobile application for use in database management, as a spreadsheet, word processing, and, if software is content- or field-specific, the content or field of use ;Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment