9 Computer software, namely, electronic financial platform and loyalty program payment platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; downloadable software applications for making, processing and authenticating payment transactions with credit cards, debit cards, gift cards, pre-paid cards, cash, and other payment forms; software for consumer or customer reward or loyalty or frequent user payment processing; software for processing, transmitting and receipt of financial transactions and payments; software for barter or trade exchange services, namely, software for promoting goods and services, to enable users to purchase goods and services, to enable consumers to participate in a loyalty and rewards program, and to assist consumers in purchasing products and services from merchants in an exchange program using points or credits they have accrued by purchasing products and services from other merchants in the exchange program; electronic platform and software for facility data and information communication in the field of commercial barter, trade exchange of products and services, exchange of goods and services between merchants and customers in an exchange program, and consumer loyalty and rewards programs; computer and application software for, or to enable, the authoring, posting, uploading, downloading, transmitting, receiving, editing, extracting, encoding, decoding, playing, storing, organizing, showing, displaying, tagging, blogging, sharing, or otherwise providing, electronic media or information over the Internet or other communications network or from and/or to a database on a global computer network; computer software for application and database integration; Computer software for accessing information directories that may be downloaded from the global computer network; downloadable computer programs for searching and accessing directories in the field of commercial barter, trade exchange of products and services, exchange of goods and services between merchants and customers in an exchange program, and consumer loyalty and rewards programs and reporting on results of such searches, and creating searchable databases in the fields of commercial barter, trade exchange of products and services, exchange of goods and services between merchants and customers in an exchange program, and consumer loyalty and rewards programs; cards, being encoded, magnetic, machine readable, electronic bank, cash, credit, discount, payment, value or smart cards; machine readable devices for cashless payment schemes, namely, card readers, computer chip readers, point of sale terminals, and related hardware and software, all for accepting, effecting, enabling, facilitating, processing, operating, authenticating and managing payment transactions via mobile devices, cash registers, and other point of sale systems, and local and global communications networks and operating software thereof; electronic equipment for point-of-sales (POS) systems, namely, apparatus, terminals, card readers, bar code readers, optical readers, advertisement display monitors, keyboards, printers, scanners, radio transmitters, radio receivers, computer hardware, and computer operating software; customer self-service electronic check out stations for point-of-sale; electronic financial transaction apparatus, namely, secure terminals for electronic transactions; downloadable audio files, multimedia files, text files, audio material, image files, video materials featuring information about electronic financial platform and loyalty program payment platform; computer game software; downloadable MP3 and MP4 files, MP3 and MP4 recordings, webcasts, webinars, podcasts, and audio books featuring information about electronic financial platform and loyalty program payment platform; downloadable electronic publications, namely, articles, magazines, instructional manuals in the field of finance, business and technology; computer and smartphone operating software