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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 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 communications software to allow customers to access bank account information and transact bank business; Computer operating software; Computer software for application and database integration; Computer software for computer system and application development, deployment and management; Computer software for controlling and managing access server applications; Computer software that assists computers in deploying parallel applications and performing parallel computations; 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; Database management software for accommodating multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Downloadable software for accommodating multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Downloadable software in the nature of a mobile application for accommodating multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Electronic equipment for point-of-sales (POS) systems, namely, point-of-sale terminals, bar code readers, optical readers, advertisement display monitors, keyboards, printers, scanners, radio transmitters, radio receivers, computer hardware, and computer operating software