9 Computer software applications, downloadable, for financial services, namely, collection and sending of remittances, processing of electronic payments, and issuing receipts regarding remittance transactions and electronic payments; Downloadable computer application software for mobile phones, namely, software for financial services, namely, collection and sending of remittances, processing of electronic payments, and issuing receipts regarding remittance transactions and electronic payments; Downloadable computer software for use as a digital wallet; Downloadable computer software for use as an electronic wallet; Downloadable computer application software for mobile phones, portable media players, handheld computers, and computers, namely, software for collection and sending of remittances, processing of electronic payments, and issuing receipts regarding remittance transactions and electronic payments; Automatic teller machines (ATM) for exchanging currency