Downloadable computer software for aggregating funds from preexisting gift, debit, cash, credit card and other funds-preloaded cards or accounts into a single funds-preloaded card or account for accessing said funds for use in purchasing goods or services of others; downloadable mobile application software for aggregating funds from preexisting gift, debit, cash, credit card and other funds-preloaded cards or accounts into a single funds-preloaded card or account for accessing said funds for ...