9 Computer application software for smart phones, smart tablets and mobile devices with payment gateways, namely, software for use in business management, integration, operation and security of electronic commerce, for use in connection and integration of data and information from electronic payment processing systems, point of sale terminals and electronic commerce, and accounting, billing, financial and customer relationship management software, and analysis, management and reporting of data and information from electronic commerce; computer software application for smart phones, smart tablets and mobile devices with payment gateways, namely, software for use in providing and facilitating mobile payments using secure digital payment card and securing electronic payments via digital single use tokens; computer application software for smart phones, smart tablets and mobile devices with payment gateways, namely, software for providing rewards and incentive programs for users