Flash memory cards, integrated smart card chips, and near field communication (NFC) chips that identify users using mobile communication devices and that facilitate payment transactions using mobile communication devices, and to otherwise facilitate mobile banking, mobile retail, mobile remittances, microfinance, and mobile identity management; Computer software, namely, preloaded application firmware on electronic memory cards to facilitate payment transactions using mobile communication devices, and to otherwise facilitate mobile banking, mobile retail, mobile remittances, microfinance, and mobile identity management; Computer software, namely, electronic financial platform and infrastructure software for credit card processors and intermediaries, financial institutions, and financial lenders that accommodates payment transactions from mobile communication devices, mobile banking, mobile retail, mobile remittances, microfinance, and mobile identity management and to otherwise support end-to-end security and over-the air personalization and provisioning in connection with said transactions and functions; Computer software, namely, security and identity management platform and infrastructure software for mobile communication devices, mobile banking, mobile retail, mobile remittances, microfinance, and mobile identity management and to otherwise support end-to-end security and over-the air personalization and provisioning in connection with said functions