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; 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