9 Apparatus and instruments for recording, transmitting, reproducing and processing sound, images, information and data; blank digital and blank analogue recording and storage media; downloadable software, namely, service and payment platforms that accommodate multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; downloadable communication software for providing access to the internet; downloadable software for banking, namely, for the use of managing balances and credits and in the field of entrance cards; downloadable payment services software, namely, for the use of managing balances and credits and in the field of entrance cards; downloadable software for financial matters, namely, for the use of managing balances and credits and in the field of entrance cards; downloadable computer software for accounting purposes, namely, for the use of managing balances and credits and in the field of entrance cards; downloadable financial management computer software, namely, for the use of managing balances and credits and in the field of entrance cards; encoded entrance cards; downloadable application software for mobile devices, namely, for the use of managing balances and credits and in the field of entrance cards and payment platforms