Computer application software for mobile phones, smart phones and mobile electronic devices, namely, software for mobile payment applications, for providing and facilitating e-commerce and mobile commerce payments, electronic funds transfers, electronic payments, ACH transfers and credit card, debit card, electronic check and automated payments, and for accessing, administering, tracking and processing loyalty program memberships, purchases and redemptions; 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; Downloadable software in the nature of a mobile application for providing and facilitating e-commerce and mobile commerce payments, electronic funds transfers, electronic payments, ACH transfers and credit card, debit card, electronic check and automated payments, and for accessing, administering, tracking and processing loyalty program memberships, purchases and redemptions