Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone and web-based environment; Downloadable computer software for processing and accepting electronic payments, transferring funds to and from others and between financial accounts, tracking payment and debt transactions, bill presentment, bill payment, bill notification, authenticating user identification, verifying financial transactions and transmitting and receiving information in the field of bill payment; Downloadable computer software for personal financial management; Downloadable computer software for providing coupons and rebates in order to promote the financial services of others; Downloadable computer software for providing electronic processing of electronic funds transfer, ACH, credit card, virtual credit card, debit card, electronic check, and electronic payments; Downloadable computer software for use as a digital wallet