Downloadable mobile applications for performing electronic purchase and payment transactions; Downloadable mobile applications for enabling customers to receive and redeem merchant and manufacturer coupons; Downloadable mobile applications for enabling participation in incentive reward programs; Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile device and web-based environment; Online banking services accessible by means of downloadable mobile applications; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Marketing, promotional and advertising services provided by mobile devices; Promoting the sale of goods and services of others through electronic couponing, promotions and discounts; Promoting and marketing the goods and services of others by distributing advertising material, coupons and discount offers via electronic messages delivered to mobile devices; Promoting the goods and services of others by means of arranging and conducting incentive reward programs via mobile applications