Software for use with cell phones, tablets, mobile devices, and handheld devices for performing electronic payment, electronic banking, storage of credit, debit and gift card information, electronic ticketing, electronic couponing, electronic person-to-person (P2P) payments, online stock trading, mobile value added services, and loyalty card functions; mobile application software for performing couponing service, loyalty services, membership services, point services and reduction services; software for performing couponing service, loyalty services, membership services, point services and reduction services; computer for performing couponing service, loyalty services, membership services, point services and reduction services; software for over-the-air and over-the-wire provisioning of applications to mobile devices and handheld devices by means of wireless and wired networks; security software for mobile device applications and mobile devices; software for transmitting data to and managing SIM cards, SD cards and secure elements of mobile device; computer software, recorded; computer operating programs, recorded; computer programs, recorded; computer programs, downloadable

Electronic transmission of data in the nature of transmitting data to SIM cards, SD cards and secure elements of mobile device; data communication for performing electronic payment, electronic banking, storage of credit, debit and gift card information, electronic ticketing, electronic couponing, electronic person-to-person (P2P) payments, online stock trading, mobile value added services, and loyalty card functions; communications between remote computer terminals for performing electronic payment, electronic banking, storage of credit, debit and gift card information, electronic ticketing, electronic couponing, electronic person-to-person (P2P) payments, online stock trading, mobile value added services, and loyalty card functions; data communication for performing couponing service, loyalty services, membership services, point services and reduction services; communications between remote computer terminals for performing couponing service, loyalty services, membership services, point services and reduction services; transmission of information data with respect to couponing service, loyalty services, membership services, point services and reduction services; data communication via the internet; computer data communication; transmission of message, image and video by computers; communications by computer terminals