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Computer application software for mobile phones, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Computer application software for mobile devices, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Computer software, namely, an application allowing sales and field service employees to update and receive data stored in an enterprise's computer databases in real time, using a mobile device, with full telephony integration with the telephone and/or software features of the mobile device; Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Computer software, namely, software development tools for the creation of mobile internet applications and client interfaces; Electronic payment terminal; Encoded electronic chip cards containing programming, used to reflect our User's Balance via a computer application software for mobile phones, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Multi-functional computer terminals with payment function; Multi-functional electronic payment terminals