9 Computer hardware and downloadable software for collecting, storing, analyzing, and providing data and information regarding electronic payment transactions, consumer lending transactions, and merchant lending transactions; Downloadable computer software for facilitating mobile payments, and enabling customers to use their electronic signature, PIN, name or photo in completing mobile payment transaction; Downloadable computer software for collecting, storing, analyzing and reporting business related data and information, namely, software for creating and reporting of business analytics relating to payment processing, authentication and tracking; Downloadable computer software for use in originating loans, loan underwriting, loan financing, arranging of loans, loan account servicing, consumer lending services, merchant lending services, installment loans servicing, credit assessment, credit risk monitoring, payment transaction processing, processing financial transactions, performing electronic business transactions, and banking; Magnetically encoded credit cards; Computer hardware and downloadable software for processing and authenticating payment transactions with credit cards, debit cards, virtual cards, and prepaid cards; Electronic devices, namely, card readers, computer chip card readers, point of sale terminals, and related hardware, all for accepting, effecting, enabling, facilitating, processing, operating, authenticating and managing payment transactions via mobile devices