Computer application software for use with mobile phones and portable computing devices to exchange, share and create photos and text with other users; Computer software for use with mobile phones and portable computing devices to exchange, share text and photos and create fonts, emojis, digital images or stickers; computer software for electronic messaging services; Computer software for use with mobile phones and portable computing devices to exchange and share digital photos; Computer software for use with mobile phones and portable computing devices to download audio, video, digital photos and programs; Computer software for use with mobile phones and portable computing devices to create video, fonts, digital images including stickers as well as digital photos and emojis to share with other users; Electronic payment systems, namely, a computer application software used for processing electronic payments to and from others