Smartphones; Automated teller machines (ATM); Computer hardware and peripheral devices; Downloadable computer software and firmware for a payment card, namely user account and identifying and authenticating information, a use-case-specific merchant application, a use-case specific bank issuer application, user-usage and merchant-tracking analytic tools, and user account units of currency and usage limits; Downloadable computer software and firmware for payment account access and transactional devices, namely payment card reader, payment terminal, automated teller machines, merchant payment facility and interfaces, online payment interface, internet payment application, user identification and authentication devices; Downloadable computer software and firmware for merchant processing storage and tracking of user account payment account information, consisting of dynamic account tokenization applications validation authentication security access and cross-reference; Downloadable computer software and firmware for an electronic device capable of performing in-store and person-to-person payment transactions, namely a smartphone, smartwatch, smartdevice, smartcard, personal computer, payment card, smart key-fob, smartring, smart wearable device, smart glasses, smart consumer electronic devices, smart automobile, and smart clothing; Downloadable computer software and firmware for a personal computing device capable of performing an online transaction, namely a smartphone, smartwatch, smartdevice, smartcard, personal computer, payment card, smart key-fob, smartring, smart wearable device, smart glasses, smart consumer electronic devices, smart automobile, and smart clothing; Downloadable computer software and firmware for operating system programs; Downloadable computer software featuring digital trading cards; Downloadable computer software for encryption; Downloadable computer software for use in computer access control; Downloadable computer operating software; Downloadable computer operating system software; Electronic key fobs being remote control apparatus; Electronic devices for reading, encoding and programming transponder keys; Personal computers; Personal digital assistant computers; Smart watches; Smart card readers; Smartphones in the shape of a watch; Smartwatches; Blank smart cards; Blank smart cards embedded with transponders; Blank electronic chip cards; Encoded smart cards containing programming used for payment transactions and identification of payment accounts, namely user account and identifying and authenticating information, a use-case-specific merchant transactional application, a use-case specific bank issuer application, user-usage and merchant-tracking analytic tools, and user account management of digital currency and usage limits; Handheld personal computers