Downloadable computer application software for mobile phones, namely, software for Computer application software for mobile phones and handheld computers, namely, software for enabling users to perform electronic business transactions via a global computer network; software for the creation, management, and operation of a virtual currency for use by members of an online community via a global computer network; software for processing electronic payments to and from others that may be downloaded from a global computer network; software for financial management, namely, electronic wallets; software for enabling users to participate in electronic commerce; software for allowing users to perform electronic business transactions within a mobile application; Downloadable computer application software for Computer application software for mobile phones and handheld computers, namely, software for enabling users to perform electronic business transactions via a global computer network; software for the creation, management, and operation of a virtual currency for use by members of an online community via a global computer network; software for processing electronic payments to and from others that may be downloaded from a global computer network; software for financial management, namely, electronic wallets; software for enabling users to participate in electronic commerce; software for allowing users to perform electronic business transactions within a mobile application, namely, software for Computer application software for mobile phones and handheld computers, namely, software for enabling users to perform electronic business transactions via a global computer network; software for the creation, management, and operation of a virtual currency for use by members of an online community via a global computer network; software for processing electronic payments to and from others that may be downloaded from a global computer network; software for financial management, namely, electronic wallets; software for enabling users to participate in electronic commerce; software for allowing users to perform electronic business transactions within a mobile application; Recorded computer application software for mobile phones, namely, software for Computer application software for mobile phones and handheld computers, namely, software for enabling users to perform electronic business transactions via a global computer network; software for the creation, management, and operation of a virtual currency for use by members of an online community via a global computer network; software for processing electronic payments to and from others that may be downloaded from a global computer network; software for financial management, namely, electronic wallets; software for enabling users to participate in electronic commerce; software for allowing users to perform electronic business transactions within a mobile application; Recorded computer application software for Computer application software for mobile phones and handheld computers, namely, software for enabling users to perform electronic business transactions via a global computer network; software for the creation, management, and operation of a virtual currency for use by members of an online community via a global computer network; software for processing electronic payments to and from others that may be downloaded from a global computer network; software for financial management, namely, electronic wallets; software for enabling users to participate in electronic commerce; software for allowing users to perform electronic business transactions within a mobile application, namely, software for Computer application software for mobile phones and handheld computers, namely, software for enabling users to perform electronic business transactions via a global computer network; software for the creation, management, and operation of a virtual currency for use by members of an online community via a global computer network; software for processing electronic payments to and from others that may be downloaded from a global computer network; software for financial management, namely, electronic wallets; software for enabling users to participate in electronic commerce; software for allowing users to perform electronic business transactions within a mobile application