Computer application software for mobile phones, namely, software for providing identity authentication and facilities access and for electronic payment processing; electronic readers used in mobile devices for capturing, verifying and authenticating data for use in identity authentication, facilities access and electronic payment services; card readers for magnetically encoded cards; chip card readers; computer software for wirelessly managing accounts related to the provision of retail store services and online retail store services, restaurant services and laundry machine services; computer software for managing, maintaining and repairing washing machines, dryers and laundry machines; computer software for wireless communications and messaging between retail merchants and their customers, restaurants and their patrons, and managers of laundry facilities and their users to provide information on the status of their services; computer software that provides web-based access to applications and services relating to the management of retail stores, restaurants and laundry facilities through a web-based operating system or portal interface