9 Downloadable mobile applications for social networking that facilitate communication between users; Downloadable mobile applications for facilitating communication between users by connecting service providers with clients and consumers; Downloadable computer software platforms for social networking that facilitates communication between users; Downloadable computer software platforms for facilitating communication between users by connecting service providers with clients and consumers; Downloadable mobile applications, namely, downloadable computer software platforms for managing and verifying financial transactions and accommodating multiple types of payment and debt transactions in mobile phones, PDAs, and web-based environments, all associated with billing and payment systems for paid communication services;Downloadable computer applications, namely, downloadable computer software platforms for managing and verifying financial transactions and accommodating multiple types of payment and debt transactions in mobile phones, PDAs, and web-based environments, all associated with billing and payment systems for paid communication services