9 downloadable computer software program that tracks, records, reports, and calculates debt to be split amongst individuals to facilitate lump sum payments; downloadable and recorded computer software for processing electronic payments and for transferring funds to and from others; downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; downloadable computer software for issuing receipts regarding mobile payment transactions; downloadable mobile software for processing electronic payments and for transferring funds to and from others