9 Downloadable software for enabling the electronic transfer of money between users; downloadable software for enabling electronic wallet (e-wallet) services, namely, stored-value account processing providing consumers with an e-wallet account for use in making secure electronic payments to merchants; downloadable software for enabling processing of electronic funds transfers and payments made via ACH (automated clearing house), credit card, debit card, electronic check and electronic, mobile and online payments; computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment