PAYTWEEN

Computer software for use in processing electronic payments and for use in transferring funds; authentication computer software for use in controlling access to and communications with computers and computer networks; Downloadable computer software for use in processing electronic payments and for transferring funds; Downloadable mobile applications for processing electronic payments and for transferring funds to and from others; Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA (personal digital assistants), and web based environment