Communication software for providing access to the Internet; Computer application software for mobile phones, namely, software for use in group messaging, communications, social networking, location-based services, financial services, financial transactions, advertising, and location-based search across multiple devices and networks, namely mobile phones, tablet, notebook, and desktop computers, entertainment systems, hand held devices, social and computer networks.; Computer application software for use in electronic communications, group messaging, social networking, location based services, financial services, transactions, advertising, search, and multimedia data transmission and sharing among users, namely, software for use with mobile handheld devices, mobile phones, tablet computers, desktop computers, home entertainment systems, game consoles, across multiple social and computing networks.; Computer communications software to allow customers to access bank account information and transact bank business; Computer e-commerce software to allow users to perform electronic business transactions via a global computer network; Computer software for accessing information directories that may be downloaded from the global computer network; Computer software for communicating with users of hand-held computers; Computer software for creating searchable databases of information and data; Computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information; Computer software for the databasing, visualization, manipulation, virtual reality immersion and integration of geographic information with on-line member communities; Computer software for wireless content delivery; Computer software that provides web-based access to applications and services through a web operating system or portal interface; Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment