Downloadable software in the nature of a mobile application for secure mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices and of credit and debit card information; Downloadable computer application software for contactless online payments, namely, software for mobile, virtual payments, contactless transactions with retailers, merchants and vendors; transmitting, processing, facilitating, verifying and authenticating credit and debit card information and transaction and payment information; Downloadable computer application software for mobile phones, namely, software for sending, receiving, storing and safeguarding digital, debit and credit currency; Downloadable computer software for managing and verifying financial transactions; Downloadable computer software for processing digital images; Downloadable computer software for use as a cryptocurrency wallet; Downloadable computer software for use as a digital wallet; Downloadable computer software for use as an electronic wallet; Downloadable computer software for mobile, virtual payments, contactless transactions with retailers, merchants and vendors; transmitting, processing, facilitating, verifying and authenticating credit and debit card information and transaction and payment information; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; Electronic software updates, namely, downloadable computer software and associated downloadable data files for updating computer software in the fields of mobile, virtual payments, contactless transactions with retailers, merchants and vendors; transmitting, processing, facilitating, verifying and authenticating credit and debit card information and transaction and payment information, provided via computer and communication networks; Recorded computer software for processing electronic payments and for transferring funds or cryptocurrency to and from others; Recorded computer software using artificial intelligence for use in connection with the electronic storage, transmission, presentation, verification, authentication and redemption of coupons, rebates, discounts, incentives and special offers