9 Software that enables users to perform electronic commerce transactions via mobile telephones and other mobile telecommunications devices and electronic communications networks; software that enables payment transactions such as bill payments, transfer of funds to and from others and between accounts, and purchasing transactions between customers and merchants via mobile telephones and other mobile telecommunications devices; software for processing electronic payments to and from others and credit card processing via electronic communications networks; software for transferring funds via mobile telephones and other mobile telecommunications devices and electronic communications networks; software for automated transaction authorization and authentication, settlement and fulfillment, and account verification via electronic communications networks; software for transmitting and receiving data, information and electronic and text messages to and from mobile telephones and other mobile telecommunications devices via electronic communications networks; software comprising a digital or electronic wallet for storage of payment information, personal information or electronic cash or value in a centralized database; Point of sale integration software that facilitates transactions at check-out via mobile telephones and other mobile telecommunications devices and electronic communications networks; promotional items, namely, t-shirts, sweaters, sweatshirts, shirts, jackets, wind breakers, hats, scarves, gloves, towels, lapel pins, key chains, pens, pencils, clocks, watches, cellular telephones, mugs, beverage containers, binders, post-its, mouse pads and USB memory sticks