9 DOWNLOADABLE COMPUTER SOFTWARE USED TO PROCESS MOBILE PAYMENTS; DOWNLOADABLE COMPUTER SOFTWARE FOR USE IN PROCESSING MOBILE PAYMENT TRANSACTIONS WITH RETAILERS, MERCHANTS, AND VENDORS VIA MOBILE DEVICES; DOWNLOADABLE COMPUTER SOFTWARE FOR TRANSMITTING, PROCESSING, FACILITATING, VERIFYING, AND AUTHENTICATING TRANSACTION AND PAYMENT INFORMATION; DOWNLOADABLE COMPUTER SOFTWARE FOR INCREASING THE SECURITY OF MOBILE PAYMENT TRANSACTIONS WITH RETAILERS, MERCHANTS AND VENDORS VIA MOBILE DEVICES; CREDIT CARDS, SECURED CREDIT CARDS, CHARGE CARDS, DEBIT CARDS, AND PREPAID CARDS WITH ELECTRONIC CHIP; CREDIT CARDS, SECURED CREDIT CARDS, CHARGE CARDS, DEBIT CARDS, AND PREPAID CARDS WITH MAGNETIC STRIPS; COMPUTER SOFTWARE FOR USE IN CONNECTION WITH THE ELECTRONIC STORAGE, TRANSMISSION, PRESENTATION AND VERIFICATION, AUTHENTICATION OF THE CREDIT CARDS, SECURED CREDIT CARDS, CHARGE CARDS, DEBIT CARDS, AND PREPAID CARDS; DOWNLOADABLE COMPUTER APPLICATION SOFTWARE FOR MOBILE DEVICES, namely, SOFTWARE FOR TRANSMITTING, PROCESSING, FACILITATING, VERIFYING, AND AUTHENTICATING TRANSACTION AND PAYMENT INFORMATION