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 that audits and allows viewing and analysis of payment and debt transactions

Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Financial Services, namely, establishing a funded intermediate bank account to facilitate third party capital transfers; Electronic transfer of funds; Facilitating capital transfer between third-parties; Providing an online inter-bank payment system comprising a financial API to allow real-time financial transactions transfers of capital from an account holder of one financial institution to an account holder of another financial institution