Mobile devices and computer software in the form of mobile native apps for use in electronic proximity business transactions; encryption software, electronic encryption keys, computer software used for electronic validation and redemption of digital certificates (in the form of transaction authentication tokens, mobile ad display coupons, rebates and stored value); computer software generating unique QR codes used for unique transaction digital authentication of digital certificates; software for secure data storage and retrieval and transmission of confidential customer information collected from digital certificate history to create a self-portrait of proximity transactions for the mobile native app registered users; transposed or scanned card numbers and supporting CVC's from magnetically encoded bank cards, magnetically encoded payment cards, magnetically encoded debit cards; computer software designed to enable any wireless device (smartphones, phablets, tablets or wearables) to interact with any other wireless device through any telecommunications equipment, namely, any mobile device that operates wirelessly through the internet and through EFT switches for the purpose of authenticating, authorizing, clearing and settling a financial transaction, a coupon redemption; a rebate settlement or a stored value loading or settlement over the existing internet or a global computer network or other computer networks