9 Computer hardware and software for making and processing payment transactions and user authentication in connection with credit cards, debit cards, gift cards, pre-paid cards, and other payment forms; electronic devices, namely, credit card readers, electronic card readers, computer chip card readers, point of sale terminals, and related hardware and software, all for accepting, effecting, enabling, facilitating, processing, operating, authenticating users and managing payment transactions via mobile devices and local and global communications networks; computer e-commerce software to allow users to perform electronic business transactions via mobile devices, and local and global computer networks; computer application software for mobile phones and handheld computers, namely, software that allows consumers to make mobile payments to merchants; computer hardware and software for collecting, analyzing, and providing data and information regarding electronic payment transactions; computer software for facilitating mobile payments, and enabling consumers to use their electronic signature, personal identification number (pin), name or photo in completing mobile payment transactions; computer software for issuing receipts regarding mobile payment transactions; computer software for use in issuing invoices and collecting payment amounts due; computer software for facilitating and managing merchant-customer communications, and providing payment transaction information; computer software for providing an on-line database in the field of transaction processing to upload transactional data, provide statistical analysis, and produce notifications and reports; computer software for collecting, analyzing and reporting business related data and information, namely, software for creating and reporting of business analytics relating to payment processing, authentication, and tracking; computer software for facilitating and completing money transfers via email, mobile devices and global and local computer networks; computer software that enables consumers and businesses to perform electronic payment transactions through the use of their electronic signature, personal identification number (pin), name or photo; computer software for use in issuing and providing receipts for others for electronic payments and payment transactions