Computer software for processing electronic payments to and from others that may be downloaded from a computer network and telecommunication network and recorded on digital media; computer software for use in the processing of electronic financial transactions of any assets, credits, and obligations, including payments, securities, bonds, trade, futures, digital currency, fiat currency, virtual currency, commodities, precious metals and store credits; computer software for use in the issuance, deposit, withdraw, remittance, transfer, clearance, settlement, and management of any digital assets, credits, and obligations; computer software, namely, an electronic financial platform that accommodates multiple types of payments and financial transactions in a computer and telecommunication network environment, via landline phones, mobile phones, PDAs, tablets, laptops, desktops, and other electronic devices capable of connecting with the above networks