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 tirelessly to computers, mobile telephones, wireless communication handsets, cameras, and electronic person 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 access control cards, and to mimic the functionality of smart cards; semiconductor chips; semiconductor devices; semiconductors; smart card reader; 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 applications; application software for use in conducting, accounting for, reporting on, providing data to others 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 privates networks, on public networks, and directly through dial-up connections; and application software for use in securing financial transaction, and for authenticating users of credit cards and other financial accounts

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 managing and operating 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; transfer of data by telecommunications