Virtual reality software for virtual reality devices for the purpose of live streaming of photographs and videos in virtual reality format.; Computer application software for mobile phones, namely, software for virtual reality devices for the purpose of live streaming of photographs and videos in virtual reality format.; Computer application software for mobile phones and virtual reality devices, namely, software for making and processing payment transactions in connection with credit cards, debit cards, gift cards, pre-paid cards, and other payment forms; electronic devices, all for accepting, effecting, enabling, facilitating, processing, operating, authenticating users and managing payment transactions via mobile devices and local and global communications networks; computer e-commerce software to allow users to perform electronic business transactions via mobile and virtual reality devices, and local and global computer networks; computer application software for mobile phones, virtual reality devices, and handheld computers, namely, software that allows consumers to make mobile payments to merchants.; Computer game software for use on mobile and cellular phones; Computer software for the databasing, visualization, manipulation, virtual reality immersion and integration of geographic information with on-line member communities; Downloadable electronic game software for use on mobile phones and virtual reality devices