Downloadable software for issuing, managing and applying for identity cards, multifunctional smart cards and bank cards; downloadable software for managing mobile applications, namely, software for mobile applications for smart cards; downloadable software for managing cryptographic keys on smart cards; downloadable software for managing applications on SIM cards for mobile phones; electronic security token hardware to facilitate authentication; encoded smart cards containing programming used for biometric recognition and capturing, verifying and authenticating biometric data to secure communications and control access in financial, security, retail, transport and vending applications; biometric scanners; encoded electronic chip cards for securing communications and control access to physical areas, computers, computer networks, and electronic devices for use in financial, security, retail, transport and vending applications; downloadable software for capturing, verifying and authenticating biometric data and storage of biometric data; card readers for magnetically encoded cards, radio frequency identification devices, and cards containing integrated circuit chip; telecommunications equipment, namely, transponders; downloadable software for use in financial services, banking, payment and telecommunication industries; downloadable software for managing computer security; downloadable computer operating systems for financial transactions on computer networks