9 Downloadable software in the nature of a mobile application for mobile payments and contactless transactions between merchants and customers at point of sale via wearable and mobile devices; Downloadable computer software for use as an electronic wallet; Downloadable software in the nature of a mobile application for the processing and transmission of payments from mobile wallets, prepaid debit and reward cards, open loop payout cards, credit cards and transaction processing terminals; Computer hardware and downloadable software for point-of-sale terminals for making contactless payments; Electronically encoded wearable wristbands for contactless payments at point of sale locations, namely, hospitality, entertainment, casinos, sports and retail venues; Encoded smart cards containing programming for financial transaction processing, namely, prepaid debit cards and reward electronic credit cards; Open loop payout cards and rewards cards, namely, magnetically encoded debit cards, encoded electronic chip cards for making payments, and near field communication (NFC) technology-enabled cards for making payments