Downloadable software for organizing and scheduling social activities, for scheduling golf tee times, for making restaurant reservations, and for facilitating shared payment transactions among users

downloadable mobile applications for the division of any user-defined expense among a discrete group of users, which enables the individual users to pay for their indicated shares; downloadable mobile applications for the apportioning of a bill of sale; downloadable mobile applications for the allocation of costs of electronic purchases among multiple purchasers

Platform as a service (PAAS) featuring computer software platforms for organization of bills and facilitating the online payment of bills