Downloadable and recorded computer software for processing, facilitating, verifying, and authenticating mobile payments and contactless transactions with retailers, merchants, and vendors via wearable and mobile devices; downloadable and recorded computer software for use in searching, transmitting, receiving, storing, accessing, finding, organizing and viewing geographic location information and providing content based on location; downloadable and recorded computer software for application development; downloadable and recorded computer software development tools; downloadable and recorded computer software used in developing other software applications; downloadable and recorded application programming interface (API) software; downloadable and recorded software development kits (SDK); downloadable and recorded computer software to maintain and operate a computer system; downloadable and recorded computer operating software