Downloadable software application for the transmittal of information; downloadable software application for the transmittal of text messages; downloadable software application for the transmittal of email; downloadable software application for the transmittal of anonymous information: downloadable software application for generating two dimensional data code for the transmittal of information; downloadable software application for generating two dimensional data code for the transmittal of anonymous information; downloadable software application for generating barcode for the transmittal of information; downloadable software application for generating barcode for the transmittal of anonymous information; none of the aforementioned including, offered in connection with, or related to financial transactions, loans, financial lending, financial account management, payment processing and transfers, payroll management, and corresponding report and analytics for the same