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Downloadable computer software and computer applications for electronic payment processing and electronic mobile payment; Downloadable software applications for electronic payment processing and electronic mobile payment; Downloadable software for payment processing services, namely software that facilitates electronic mobile payments, electronic invoicing, text-to-pay transactions, and money management in the field of financial transactions; Downloadable software to facilitate electronic mobile payments, electronic invoicing, text-to-pay transactions, and money management in the field of financial transactions; Downloadable software to enable consumers to make payments and merchants to accept payments by way of text messages using short messaging systems (SMS) and multimedia messaging services (MMS) for text-to-pay transactions, credit card payments, automated clearing housing (ACH) payments, payments drawn on checking accounts, and cryptocurrency payments; Downloadable mobile applications to facilitate electronic mobile payments, electronic invoicing, text-to-pay transactions, and money management in the field of financial transactions; Downloadable mobile payment applications to enable consumers to make payments and merchants to accept payments by way of text messages using short messaging systems (SMS) and multimedia messaging services (MMS) for text-to-pay transactions, credit card payments, automated clearing housing (ACH) payments, payments drawn on checking accounts, and cryptocurrency payments; Data retrieved electronically from the internet, namely, downloadable databases in the field of electronic payment processing used to facilitate electronic mobile payments, electronic invoicing, text-to-pay transactions, and money management in the field of financial transactions; Electronic databases in the fields of electronic mobile payments, electronic invoicing, text-to-pay transactions, and money management recorded on computer media