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Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable computer software to enhance the audio-visual capabilities of multimedia applications, namely, for the integration of text, audio, graphics, still images, and moving pictures; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable software for processing images, graphics and text; Downloadable communications software for connecting users of electronic devices, communicating with users of handheld computer devices, and wireless content delivery; Downloadable communications software for connecting computer network users, global computer networks; Downloadable communications software for connecting, accommodating multiple types of payment and debit transactions in an integrated mobile phone, PDA and web based environment; Downloadable computer software for use in the safeguarding of digital files, including audio, video, text, binary, still images, graphics and multimedia files; Near field communication (NFC) tags for making mobile payments, providing advertising information; Downloadable computer software for gathering, tracking, analyzing, measuring and reporting customer data in mobile applications, websites, web applications; Downloadable computer software for collecting, viewing and visualizing real-time user data and events which performed in mobile applications, websites and web applications; Downloadable computer software for digital product, mobile and web analytics and reporting; Downloadable computer software for data analysis, data analytics, and reporting of data; Downloadable application programming interface (API) software for collecting, uploading and transferring data from third-party systems; Downloadable application programming interface (API) software for extracting and transferring data for third-party systems; Downloadable computer software for tracking, monitoring, analyzing and reporting data on mobile and web application performance; Downloadable computer software for collecting, gathering, analyzing and reporting data on social networks; Downloadable computer software for gathering, unifying customer data and creating a unified customer view and profile; Downloadable computer software for managing, segmenting and targeting customers; Downloadable computer software for creating and sending multi-channel marketing messages and communications, namely, in-app messages, push notifications, text messages, web notifications, location-based marketing messages and email for the purpose of customer lifecycle and experience management, marketing and advertising of goods and services of others; Downloadable computer software for gathering, analyzing and sharing customer feedback by conducting online customer surveys and polls; Downloadable computer software for the purpose of marketing automation; Downloadable computer software for triggering and activating the functionality of third-party systems and applications; Downloadable computer software platforms for Computer software development in the field of customized mobile applications and company interfaces for use by their workforce to review information relevant to their employment with such company; Downloadable payment gateway software for linking e-commerce websites to credit card processing networks; Magnetically encoded gift cards