9 Programs for computers and microprocessors for reading of chips and the modification and exchange of data and for safety of data in the field of payments, finance, telephony, transport, access control, electronic identification, retail and gift card, all to facilitate communication between hand-held electronic devices; encryption and decryption programs for computer data, electronic liaison between a computer and a communication network, namely, readers, software for the management of database, interface cards of communication, interface modules for communication, namely, for the exchange of data, data converters, chips, namely, integrated circuits, computer chips, namely, contactless interface chips, semiconductor chips, silicon chips, microcircuits for coding and decoding data, printed circuits, semiconductors, central processing units, microprocessors, microcontrollers, electronic tags, namely, tags for controlling access, management of stock, traceability of goods, protection against theft, chip cards, namely, blank electronic chip cards, encoded electronic chip cards containing programming for reading, writing, controlling, exchanging and modification of data for use in the field of payment, finance, access, control, transport, ticketing, electronic identification, retail and gift card and mobile communication fields for use with smart cards, key fobs, mobile phones, handheld consumer electronic devices, point of sale displays and PC peripherals, memory cards, electric and electronic locks