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Downloadable computer software used to process mobile payments; downloadable computer software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; downloadable computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; downloadable computer software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; downloadable computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information; downloadable computer software for the authentication and redemption of discounts, incentives, and special offers for use in connection with consumer loyalty programs; Electronic device in the nature of a digital wallet, namely, an encoded electronic chip card that stores and protects financial information for use in making secure electronic payments and providing identity protection; Cards, namely, encoded electronic chip cards containing programming for use in financial transactions, encoded smart cards containing programming used to facilitate financial transactions, magnetically encoded charge cards, encoded integrated circuit cards containing programming for use in facilitating financial transactions; Prepaid electronic credit cards, magnetically encoded, for use in financial transactions; embedded Integrated Circuit chip cards, namely, charge cards, debit cards, credit cards, and cards for use in financial transactions; Encoded smart cards containing programming for financial transactions, namely, charge cards, debit cards, credit cards, and cards for use in financial transactions; magnetically encoded cards, namely, charge cards, debit cards, credit cards and cards for use in financial transactions, and cards for consolidating aforementioned functions; Downloadable Software for use in the management and tracking of smart cards; downloadable software applications for smart phones for use in the management and tracking of smart cards; Downloadable embedded OS (operating system) software for use with devices for use in the management and tracking of smart cards