9 Downloadable computer software for use as a digital wallet; Downloadable computer software for use as an electronic wallet; Downloadable computer software for transaction authorization, credit authorization and processing electronic payments; Downloadable computer software for credit authorization, processing financial transactions, and facilitating financial transactions by collecting, storing and transmitting data and information for use in financing of purchases; Downloadable computer software for enabling users to purchase goods and services electronically, as well as transaction authorization, credit authorization, processing electronic payments, processing financial transactions, and facilitating financial transactions by collecting, storing and transmitting data and information for use in financing of purchases; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Magnetically encoded debit cards, with all listed goods targeted for use by and for expectant parents