9 Downloadable mobile applications for performing financial transactions using a virtual financial account, namely, for transferring funds into virtual account from bank accounts, credit or debit cards, or cash, making purchases at participating merchants, transferring funds to and from other virtual account members, earning cash back on purchases at participating merchants, receiving instant texts and email alerts when a purchase, transfer, or deposit is made and when the balance on virtual account is low, and for securely turning virtual account on and off instantly; Downloadable software in the nature of a mobile application for secure financial transactions and payments