SIDECARD

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; integrated smart card chips, and near field communication (NFC) chips that identify users using mobile communication devices, and secure cards and that provide for authentication of users, and for authorization of access to physical facilities, of access to secure devices, and of access to secured data, either stored on local devices, on servers, or in the cloud