electronic emulation device that is integrated into computers, mobile telephones, wireless communication handsets, cameras, and electronic personal digital assistants, wherein said electronic emulation device is used to mimic the functionality of credit card or other financial card magnetic stripes, to mimic the functionality of access control cards, and to mimic the functionality of smart cards; electronic emulation device composed of a chip card or semiconductor chip that connects directly, wired or wirelessly to computers, mobile telephones, wireless communication handsets, cameras, and electronic personal digital assistants, wherein said electronic emulation device is used to mimic the functionality of credit card or other financial card magnetic stripes, to mimic the functionality of access control cards, and to mimic the functionality of smart cards; semiconductor chips; semiconductor devices; semiconductors; smart card readers;application software for mobile phones; application software for conducting, monitoring, accounting for, reporting on, authenticating users for, verifying credit for, providing data to other programs and persons about, securing, and facilitating real-time financial transactions; computer software for controlling and managing access server applications; application software for use in conducting, accounting for, reporting on, providing data to other programs and persons about, authenticating users, verifying credit for, and summarizing financial transactions; computer software for encryption; communications software for use to communicate from a variety of remote electronic devices to servers on the Internet, on private networks, on public networks, and directly through dial-up connections; and application software for use in securing financial transactions, and for authenticating users of credit cards and other financial accounts

Business intermediary and advisory services in the field of selling products and rendering services to and among financial institutions, credit card issuers, commercial vendors, mobile phone service providers, computer and personal digital assistance network providers and said entities' customers

Providing private and secure real time electronic communication over a computer network, namely, providing intermediary communication network services and related computer server services, by means of providing, leasing, renting, managing, and operating of a computer network, to facilitate secure communications of data among computers, servers, telephones, mobile telephones, wireless communication handsets, cameras, electronic personal digital assistants, and watches

Customization of computer hardware and software for others; design for others of adaptors for a wide variety of devices wherein said adapters are used to accept insertions of electronic emulation cards that mimic the functionality of credit card or other financial card magnetic stripes, to mimic the functionality of access control cards, and to mimic the functionality of smart cards; product development consultation services; design for others of computers, servers, telephones, mobile telephones, wireless communication handsets, cameras, electronic personal digital assistants, and watches; technical consultation in the field of wireless communication handsets and related computer and device applications; technological consultation in the technology fields of electronic data storage, computer network access control, data encryption and decryption, and computer network communications and electronic data security