9 Apparatus and devices for processing, transmission, transfer, reproduction, recording, storage, input, conversion and manipulation of sounds, images, information and any kind of data in the field of electronic and paperless transactions with or without contact, namely, apparatus for reproducing and transmitting signals, sounds, images and data; downloadable software for ensuring commercial and financial transactions by electronic means, namely, software for securing remote payment, software for ensuring the security of financial transactions; downloadable computer software for ensuring transactions by means of mobile devices such as telephones, smartphones, namely, software applications for use in remote banking, software for use in ATM machines, software for use in smartphone android applications; downloadable computer software for processing and security of transactions with or without contact, namely, software for online payment acceptance, management of funds and tracking of shipment to banks, software for obtaining bank statements, namely card number, account number, virtual wallet ID; secure terminals for electronic and paperless transactions with or without contact; electronic payment terminals; telematic payment terminals; scanners and electronic black boxes in the nature of equipment and apparatus for reading, capturing, recording, storing, manipulating, managing and transmitting data on tickets, boarding passes, transport documents, electronic checks and coupons; downloadable computer software for use as electronic wallets; downloadable computer software for use as electronic purses; artificial intelligence apparatus, namely, recorded software for use in the field of electronic and paperless transactions with or without contact; computer systems comprised of downloadable computer applications software for implementing the Internet of Things (IoT) in the field of electronic and paperless transactions with or without contact; electronic sensors for the Internet of Things (IoT) in the field of electronic and paperless transactions with or without contact; biometric identification apparatus with voice, facial, and fingerprint recognition functions in the field of electronic and dematerialized transactions with or without contact; equipment and apparatus for authentication, verification and processing of transactions with or without contact, namely, digital identification systems with facial, voice and fingerprint recognition functions and secure code; downloadable software for authentication or identification of individuals especially in a cryptographic or biometric manner in the field of financial and business transactions; downloadable cryptographic software in the field of electronic and paperless transactions with or without contact