Downloadable computer software for making, processing, or authenticating credit card, debit card, check or cash transactions via mobile devices; downloadable computer software for clearing and reconciling financial transactions via a global computer network; downloadable software applications for the electronic transmission of credit card, debit card, and check transaction data; downloadable e-commerce software; downloadable e-commerce software, namely, software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; downloadable financial software for accepting, effecting, enabling, facilitating, processing, operating and managing payment transactions on mobile devices and other point of sale systems; downloadable software applications for payment processing, authenticating, managing and tracking credit card, debit card, pre-paid card, deferred payment card, check, cash and other forms of payment transactions; downloadable computer software for issuing receipts or invoices regarding payment transactions; downloadable computer software for creating, maintaining and updating online searchable databases of merchant information and regarding the products and services of others; downloadable computer software for facilitating mobile payments, and enabling consumers to use their electronic signature, PIN, name or photo in completing payment transactions