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