Software used for management of personal identity, government identification, loyalty card membership, credit card, car rental, electronic key, event, travel and admission tickets, personal health, health insurance and medical information; computer software for management of merchant payments and point of sale transactions; magnetic identification cards; smart cards, namely, card incorporating a microcontroller and memory chip to support personal identity and payment applications; computer hardware; computer software, namely, software permitting access to bank account information and to transact bank business; downloadable mobile software applications to permit management of bank accounts