DOWNLOADABLE MOBILE AND DESKTOP APPLICATION SOFTWARE THAT ENABLES USERS, BEING CONSUMERS OR BUSINESSES, TO DETECT OTHER NEARBY USERS, BEING CONSUMERS OR BUSINESSES ALSO USING THE SAME APPLICATION SOFTWARE, AND TO SETUP COMMUNICATION OR PAYMENT RELATIONSHIPS AND TO MAKE MONEY TRANSFERS OR PAYMENTS WITH THOSE OTHER NEARBY USERS WIRELESSLY; DOWNLOADABLE SOFTWARE FOR THE PURPOSE OF EFFECTING MONEY TRANSFERS AND PAYMENTS THAT CAN BE USED BY DEVELOPERS OF SOFTWARE APPLICATIONS FOR OTHERS AS AN INTE...

MOBILE AND DESKTOP APPLICATION SOFTWARE THAT ENABLES USERS, BEING CONSUMERS OR BUSINESSES, TO DETECT OTHER NEARBY USERS, BEING CONSUMERS OR BUSINESSES ALSO USING THE SAME APPLICATION SOFTWARE, AND TO SETUP COMMUNICATION OR PAYMENT RELATIONSHIPS AND TO MAKE MONEY TRANSFERS OR PAYMENTS WITH THOSE OTHER NEARBY USERS WIRELESSLY; SOFTWARE FOR THE PURPOSE OF EFFECTING MONEY TRANSFERS AND PAYMENTS THAT CAN BE USED BY DEVELOPERS OF SOFTWARE APPLICATIONS FOR OTHERS AS AN INTEGRATED PART OF THOSE SOFTW...