Smart card, micro-electronic chip cards, magnetic transaction and identification cards containing programming for use as credit, debit, stored value, security, identification access and record storage; Smart Cards operating system for SIM cards for use in mobile devises; smart cards and magnetic encoded cards for use as credit, debit, stored value, security, identification, access and record storage, featuring symmetric key processing and cryptography; variable encoded dual interface transaction cards with an onboard software system and smart card and magnetic card interface for use as credit, debit, stored value, security, identification, access and record storage; online and offline transaction systems comprising servers, software, middleware, smart cards, micro-electronic chip cards, magnetic transaction and identification cards, terminals, readers and routers for use in e-commerce, banking and stored value systems for secure access to computer networks in e-commerce and stored value transactions; memory and microprocessor smart card middleware, hardware and application software development tools, smart card readers and printers all for use in security, healthcare, financial and closed systems including hospitality, gaming, resorts, credit and debit and identification systems