9 Multi-functional electronic payment terminals; Electronic payment terminal; 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; Downloadable computer application software for mobile phones, portable media players, tablet computers, handheld computers and other handheld wireless devices, namely, software that facilitates consumer-based point of purchase allowing consumers to execute a transaction from anywhere within the purchase radius of a location; Downloadable computer application software for mobile phones, portable media players, tablet computers, handheld computers and other handheld wireless devices, namely, software that facilitates consumer-based point of purchase allowing consumers to have a streamlined check-out process in a cloud-based solution; and Downloadable computer application software for mobile phones, portable media players, tablet computers, handheld computers and other handheld wireless devices, namely, software that facilitates consumer-based point of purchase allowing consumers to securely manage and efficiently route the transaction to multiple corresponding systems such as inventory management and electronic payments and processing of electronic payments