Downloadable middleware for software application integration; Downloadable payment gateway software for linking e-commerce websites to credit card processing networks; Downloadable software development kits (SDK); Downloadable software in the nature of a mobile application for processing electronic payments and transferring funds to and from others; Downloadable software in the nature of a mobile application for linking merchants, retailers or companies that wish to receive value to financial institutions, banks, credit unions or companies who provide credit, debit, digital assets, coupons, rebate, vouchers and any other kind of value; Downloadable software in the nature of a mobile application for issuing receipts regarding mobile payment transactions; Downloadable software in the nature of a mobile application for enabling the electronic transfer of money between users; Downloadable software in the nature of a mobile application for for managing, reporting, and reconciling payment transactions made online and offline; Downloadable computer software for managing electronic payment transactions using distributed ledger technology (DLT); 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; Downloadable electronic data files featuring software libraries for use in software design.; Downloadable electronic data files featuring software development kits for managing, reporting, and reconciling payment transactions made online and offline; Electronic software updates, namely, downloadable computer software and associated downloadable data files for updating computer software in the fields of software design, provided via computer and communication networks