Communication software for providing access to the Internet; Communications computers; Computer programs used for electronic cash register systems; Computer programs and computer software for electronically trading securities; Computer programs for using the internet and the worldwide web; Computer software and firmware for operating system programs; Computer software for administration of computer networks; Computer software for application and database integration; Computer software for encryption; 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; Recorded computer operating programs; Security token hardware