Downloadable mobile applications and downloadable software for electronic payment processing, transmission of bill payment data, financial transaction processing and reporting, and for transferring funds to and from others; downloadable mobile applications and downloadable software for managing and controlling accounts receivable and accounts payable workflow and business functions; downloadable mobile applications and downloadable software for viewing, managing, analyzing and controlling cashflow; downloadable mobile applications and downloadable software for transfer of virtual and digital currency; downloadable mobile applications and downloadable software for conducting online banking services, namely, web-based money transfer services; downloadable mobile applications and downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; downloadable mobile applications and downloadable software for issuing receipts regarding mobile payment transactions; downloadable authentication software for controlling access to and communications with computers and computer networks; downloadable software enabling the transfer of funds, splitting of funds, and sharing of funds between and among users and users' accounts; downloadable application programming interface (API) software; magnetically encoded credit and debit cards