Downloadable software for enabling the electronic transfer of money between users; Downloadable mobile application software for enabling the electronic transfer of money between users; Downloadable mobile application software for processing electronic payments and for transferring funds to and from others; Downloadable software enabling the transfer of funds, splitting of funds, and sharing of funds between users; Downloadable software for enabling processing of electronic funds transfers and payments made via ACH (automated clearing house), credit card, debit card, electronic check and electronic, mobile and online payments; Financial services, namely, electronic funds transfer; Clearing and reconciling financial transactions via a global computer network and wireless networks; Credit card transaction processing services; Bill payments services; Providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; Credit card transaction processing services and payment processing services in the field of credit card payments and electronic payments; Electronic transfer of money for others; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic, mobile and online payments; Electronic transfer of funds, namely, electronic splitting and sharing of funds between users