9 Downloadable mobile applications for messaging and securely communicating with peers, enabling transmission of images, audio-visual and video content, and other multi-media; Downloadable computer software for instant messaging, file sharing, facilitating communications, electronically exchanging data, audio, video images and graphics via computer, mobile, wireless, telecommunications networks and downloadable computer software for processing images, graphics, audio, video, and text that may be downloaded from a global computer network; Computer software for use in exchanging and sharing data, audio, video images and graphics via computer, mobile, wireless, telecommunications networks that may be downloaded from a global computer network; Computer software for use in transmitting, processing and facilitating mobile payments that may be downloaded from a global computer network; Computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information that may be downloaded from a global computer network; Computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information that may be downloaded from a global computer network; Downloadable computer application software for mobile phones, namely, software for secure storage of personal data