Computer software relating to the handling of financial transactions; computer application software for smart phone for simple payments; computer software for in-vehicle simple payments; software for secure storage/search/transmission of customer information data for electronic payment of personal/banking/financial institutions; computer software for personal information management; downloadable computer application software for smart phone; downloadable e-wallets; downloadable computer software for use as an electronic wallet; computer software for data processing; database management software; application software for mobile payment; computer software for electronic payment transactions via wireless network/global computer networks/mobile telecommunications devices; firmware for identifying NFC tag; computer software for electronic payment services; computer e-commerce software; downloadable multimedia file; downloadable mobile gift certificates; downloadable coupon