Recorded computer software for processing and managing mobile credit card and point of sale transactions; Recorded computer software for use in transmitting and managing electronic payment information and cardholder payment data during mobile payment processing; Recorded computer software for use in processing mobile card payment transactions and for managing electronic payment information and cardholder payment data during mobile processing, and instruction manuals provided as a unit therewith; Recorded computer software for securely processing, managing and storing electronic payment information and cardholder payment data; Recorded computer software and hardware for securing mobile credit card transactions and electronic payment data; Recorded computer software and hardware for deleting credit card and electronic payment data during a mobile transaction and replacing the data with token alphanumeric or numeric codes for securely completing the credit card or electronic payment transaction; Recorded computer software and hardware for creating an electronic network for processing and managing mobile credit card and point of sale transactions; Recorded computer software for mobile credit card and electronic payment; Debit and credit card reader used to facilitate electronic payment transactions from a mobile communication device; Recorded software operating on a mobile communication device used to facilitate electronic payment transactions