CUSTOM DESIGN OF PERSONALIZATION OR INTERACTION SOFTWARE FOR USE IN SMART PAYMENT CARDS, SMART BANKING CARDS AND PREPAID STORED VALUE CARDS FOR PROMOTING AND REWARDING LOYALTY, ALL THE AFOREMENTIONED CARDS INCORPORATING MEMORY CHIPS AND/OR MICROPROCESSORS; CUSTOM DESIGN OF PERSONALIZATION OR INTERACTION SOFTWARE FOR USE IN CONTACTLESS MICROPROCESSOR BASED PAYMENT CARDS AND MICROPROCESSOR BASED PAYMENT CARDS INCORPORATING EMV SPECIFICATIONS, ALL FOR MAKING GLOBAL PAYMENT TRANSACTIONS; CUSTOM D...