Secure Digital (SD) memory cards; application software for SD memory cards, namely, application software for locking and releasing read/write access to the card's data by the terminal-specific information of the smartphone and/or NFC reader/writer and the password which are set by the user; computer programs for SD memory cards, namely, computer programs for locking and releasing read/write access to the card's data by the terminal-specific information of the smartphone and/or NFC reader/writ...