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Downloadable software for facilitating and managing payment transactions by collecting, storing, and transmitting consumer data and credit information for use in the financing of purchases; Downloadable software, namely, electronic financial platform that accommodates multiple types of payment transactions and payment processing in an integrated mobile phone, PDA, and web-based environment; Downloadable software in the nature of a mobile application for businesses, merchants, and retailers to enable splitting a purchase into payments and for consumers to monitor payment status; Electronic card readers; Mobile optical readers for scanning consumer identification cards; magnetically encoded credit cards