Flash memory cards, integrated smart card chips, and near field communication (NFC) chips that identify users using mobile communication devices and that facilitate payment transactions using mobile communication devices, and to otherwise facilitate mobile banking, mobile retail, mobile remittances, microfinance, and mobile identity management; Computer software, namely, preloaded application firmware on electronic memory cards to facilitate payment transactions using mobile communication dev...

TELEPHONES, MOBILE TELEPHONES, ELECTRIC ACCUMULATORS AND ACCUMULATOR BOXES, BATTERIES, ACCESSORIES FOR MOBILE PHONES, NAMELY, SUPPORTS, HANDS-FREE SETS, CHARGING CABLES, CHARGING UNITS, CHARGING STATIONS, HEADSETS, MOUSE DEVICES, NAMELY, COMPUTER CURSOR CONTROL DEVICES, NAMELY, COMPUTER MOUSE; BLANK ELECTRONIC CHIP CARDS, COMPUTER TELEPHONY SOFTWARE AND COMPUTER SOFTWARE FOR USE IN TELECOMMUNICATIONS, NAMELY, COMPUTER SOFTWARE FOR CONNECTING MOBILE PHONE USERS WITH OTHER MOBILE PHONE USERS

Radio frequency transmitter and receiver for inputting information into a computer