Downloadable or recorded application software for mobile phones for storage and transmission of photographs and image files; application software for mobile phones for storage and transmission of electronic publications in the field of financial information; downloadable or recorded application software for mobile phones for editing of photographs and image files; downloadable application software for mobile phones for providing cloud based software for storing and managing electronic financial data; application software for mobile phones, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions; application software for tablet PC, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions; downloadable computer operating software for financial transactions; portable communications apparatus, namely servers; cellular phones; electric audio and visual apparatus and instruments namely, digital audio and video recorders and players; smartphones; telecommunication devices, namely, near field communication (NFC) technology-enabled readers; downloadable computer operating programs for financial transactions; downloadable computer software applications for managing bank accounts; downloadable application software for smartphones, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions