Downloadable mobile and desktop applications for voice over internet protocol (VOIP) calls, phone calls, video calls, text messages, and instant message; downloadable mobile applications for messaging; downloadable computer application software for mobile phones, namely, software for instant messaging and text messaging; downloadable software, namely, instant messaging software, file sharing software, communications software for electronically exchanging data, audio, video images and graphics via computer, mobile, wireless, and communication networks; downloadable computer software for processing images, graphics, audio, video, and text; downloadable software in the nature of a messaging application; computer software for use in facilitating voice over internet protocol (VOIP) calls, phone calls, video calls, text messages, and instant messages; software for sending and receiving electronic messages, graphics, images, audio and audio visual content via global communication networks; computer software for the collection, managing, editing, organizing, modifying, transmission, sharing, and storage of data and information; Computer software for processing electronic payments to and from others that may be downloaded from a global computer network and/or recorded on computer media; Authentication software that may be downloaded from a global computer network and/or recorded on computer media; Providing a wide variety of payment services and providing financial services, namely, credit card processing and transmission of bills and payments thereof, conducted via an electronic system; Computer software for processing electronic payments and for transferring funds to and from others; Financial services, namely, electronic funds transfer; Providing temporary use of on-line non-downloadable software for processing electronic payments; Providing payment and financial services, namely, creating, preparing, managing, sending, processing, tracking, and reconciling invoices; Payment processing services in the nature of processing reimbursements for fraudulent transactions, transaction errors, and disputed transactions, namely, transactions concerning lost, damaged, misrepresented, or incorrect products or services, all in the field of electronic payment purchases; Downloadable and recorded computer software for processing electronic payments and for transferring funds to and from others; downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; Downloadable computer software for issuing receipts regarding mobile payment transactions; Downloadable mobile application software for processing electronic payments and for transferring funds to and from others; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Downloadable mobile and desktop applications for processing electronic payments and for transferring funds to and from others