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Computer software relating to the handling of financial transactions; smartphone computer application software for simple payments; computer software for simple payments; software for secure storage, retrieval and transmission of customer information data for electronic payments for individuals/banks/financial institutions; computer software for personal information management; downloadable computer application software for smartphones; downloadable electronic wallets; downloadable computer software for use as an electronic wallet; computer software for data processing; database management software; application software for mobile payments; computer software for electronic payment transactions via wireless networks/global computer networks/mobile communication devices; firmware for identifying NFC tags; computer software for providing electronic payment agency services; computer e-commerce software; downloadable multimedia files; downloadable mobile gift certificates; downloadable coupons; payment software; e-payment software; online payment software; e-commerce and e-payment software; computer software for facilitating payment transactions by electronic means; transponders equipped with in-vehicle electronic payment; software for processing electronic payments to and from others; apparatus for electronic payment processing; downloadable digital files authenticated by non-fungible tokens (NFTs); software for generating virtual images