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Blank electronic chip cards; Blank integrated circuit cards; Blank smart cards; Computer application software for mobile phones, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; multiple merchant cards, namely, magnetically encoded credit cards; magnetically encoded prepaid gift and debit cards; Computer application software for smartphones, PDAs, 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 in the nature of a mobile application, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment