Blank chip cards; computer e-commerce downloadable software to allow users to perform electronic business transactions via a global computer network; downloadable computer software for providing an on-line database in the field of transaction processing to upload transactional data, provide statistical analysis, and produce notifications and reports; computer software, namely, downloadable electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; downloadable software in the nature of a mobile application for managing credit card accounts and performing contactless credit card transactions; downloadable mobile applications for managing credit card accounts and performing contactless credit card transactions; encoded electronic chip cards containing programming used for authentication in financial transactions; electronic data carriers in the form of magnetically encoded charge, credit and debit cards; magnetically encoded debit cards; magnetically encoded credit cards; electronically coded credit cards, namely, magnetically encoded credit cards; electronically coded debit cards, namely, magnetically encoded debit cards; magnetically encoded smart cards, namely, encoded electronic chip credit cards containing programming used to store and protect cardholder data; gift cards and prepaid cards with magnetic coding or electronically coding; downloadable computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services and banking industries; magnetically coded credit cards; electronically coded cards, namely, magnetically encoded debit cards, credit cards, and stored value prepaid cards; downloadable computer software for facilitating and administering payment, banking, credit card, debit card, payment card, electronic payments, electronic processing and transmission of bill payment data, transaction authentication, routing, authorization, fraud detection and control, and encryption services; downloadable computer software for a digital wallet that stores customer account information; downloadable computer software to enable smart cards, mobile phones and mobile devices to interact with terminals and card readers; downloadable computer software for transmitting, displaying and storing transactions, identifications and financial information for use in the financial services, banking and telecommunications industries; downloadable computer software for facilitating payment transactions by electronic means over wireless networks, global computer networks and/or mobile telecommunications devices; downloadable software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless mobile commerce transactions