TOTOSAF

Pre-recorded USB flash drives containing downloadable software for use in mobile phones, computers, PDA to protect data and to authenticate user identification and digital signature for electronically trading securities; Pre-recorded USB flash drives containing programming for use in mobile phones, computers, PDA to protect data and to authenticate user identification and digital signature for electronically trading securities; Encoded smart cards containing programming for use in mobile phones, computers, PDA to protect data and to authenticate user identification and digital signature for electronically trading securities; Computer software, namely, electronic financial platform for processing multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Software for the operational management of smart cards; Downloadable software for use with smart cards to authenticate user identification and digital signature for electronically trading securities