Computer software platforms, downloadable, for enabling the electronic transfer of money between users; Downloadable software for enabling the electronic transfer of money between users; Downloadable software for enabling the electronic transfer of money between users and machines; Downloadable software for processing mobile payments utilizing two dimensional matrix bar codes, use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments, transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information, ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information, and the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information; Downloadable mobile applications for processing mobile payments utilizing two dimensional matrix bar codes, use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments, transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information, ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information, the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information; Downloadable application programming interface (API) software for the integration of third-party apps; Downloadable software for enabling the sharing of forms between users; Downloadable software for enabling the autofill of forms; Downloadable software for enabling the transfer of payments; Downloadable software for delivery and pickup services