9 Computer software platforms, downloadable, for enabling the electronic transfer of money between users; Downloadable software for enabling the electronic transfer of money between users; Downloadable software for enabling the electronic transfer of money between users and machines; Downloadable software for processing mobile electronic payments utilizing two-dimensional matrix bar codes, for use in contactless transactions with retailers, merchants, and vendors via mobile devices, for use to process mobile electronic payments, transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information, for ensuring the security of mobile electronic payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information, and the storage, transmission, verification, and authentication of credit and debit card and other electronic payment and electronic transaction information; Downloadable mobile applications for processing mobile electronic payments utilizing two-dimensional matrix bar codes, for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile electronic payments, transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and electronic transaction and payment information, ensuring the security of mobile electronic payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information, for the storage, transmission, verification, and authentication of credit and debit card and other electronic payment and transaction information; Downloadable application programming interface (API) software for the integration of third-party mobile applications; Downloadable software for enabling the sharing of forms between users; Downloadable software for enabling the auto-fill of forms; Downloadable software for enabling the electronic transfer of payments; Downloadable software for arranging delivery and pickup services