9 Downloadable software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunication devices; Downloadable software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions; Downloadable software for enabling the electronic transfer of money between users mainly closed loop payments; Downloadable software for enabling processing of electronic funds transfers and payments made via ACH, credit card, debit card, prepaid cards, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; Downloadable software for organizing, storing, providing access to, redeeming, scanning, sharing, and providing information about goods, services, discounts, tickets, boarding passes, coupons, and consumer loyalty programs; Downloadable software for processing, facilitating, verifying, and authenticating mobile payments and contactless transactions with retailers, merchants, and vendors using a mobile device