Downloadable software for parents and children for setting child responsibilities, tracking and paying allowance, initiating, paying and tracking parent loans, allowing children to set and track their progress on financial goals and teaching children financial literacy; downloadable software for parents and children to deposit, monitor, manage, and expend allowances; downloadable mobile applications for parents to manage children's retail and e-commerce spending using a prepaid card, debit card or credit card; downloadable software in the nature of a mobile application for parents to manage children's retail and e-commerce spending using a prepaid card, debit card or credit card; payment processing services, namely, credit card and debit card transaction processing services provided exclusively in connection with authorization from a downloadable mobile application; payment processing services, namely, credit card and debit card transaction processing services and savings accounts provided exclusively in connection with authorization from a downloadable mobile application for children and parents to manage children's retail and e-commerce spending using a debit card or credit card