Recorded and downloadable computer software for processing and managing credit card and point of sale transactions; Recorded and downloadable computer software for use in transmitting and managing electronic payment information and cardholder payment data during processing; Recorded and downloadable computer software for use in processing card payment transactions and for managing electronic payment information and cardholder payment data during processing, and instruction manuals provided as a unit therewith; Recorded and downloadable computer software for securely processing, managing and storing electronic payment information and cardholder payment data; Recorded and downloadable computer software and hardware for securing credit card transactions and electronic payment data; Recorded and downloadable computer software and hardware for deleting credit card and electronic payment data during a transaction and replacing the data with token alphanumeric or numeric codes for securely completing the credit card or electronic payment transaction; Recorded and downloadable computer software for management of private label credit cards, namely, for managing credit card payments, billing, enabling users to manage their accounts and for processing of private label credit card transactions; Downloadable electronic newsletters in the field of payment processing; Recorded and downloadable computer software and hardware for creating an electronic network for processing and managing credit card and point of sale transactions; Recorded and downloadable computer software for credit card and electronic payment; point of sale systems, namely, point-of-sale terminals, bar code readers, optical readers, advertisement display monitors, keyboards, printers, scanners, radio transmitters, radio receivers, computer hardware, and recorded and downloadable computer operating software; Debit and credit card reader used to facilitate electronic payment transactions from a mobile communication device; Recorded and downloadable software operating on a mobile communication device used to facilitate electronic payment transactions