NFC (near field communication) cards and bracelets and tags with integrated RFID chips for processing electronic payments and for fast, non-cash, and offline (no connection) transactions; chips [integrated circuits]; electronic chips; radio-frequency identification (RFID) readers; chip card readers; sensors equipped with a bio-receiver chip; encoded electronic-chip cards; software and hardware for transmitting electronic payments to and from third parties; e-commerce and e-payment software; apparatus for processing electronic payments; software for use as an application programming interface (API); software for database synchronization; downloadable computer applications; downloadable mobile applications for data transmission; downloadable cloud computing software; portable telecommunication apparatus; electronic databases; data processors; electronically recorded data; computer software for data communication; equipment for data communication and computer networks; computer software for data processing; data processing software; data communication hardware; interactive computer programs; downloadable graphic elements for mobile telephones; computer digital maps; wireless communication devices and equipment; wireless local-area-network devices; magnetic recording media; intercommunication apparatus; interfaces [computers]; readers [data processing equipment]; peripheral devices for computers; electronic and magnetic identity cards for use in connection with payment for services; microchips [computer hardware]; VPN [virtual private network] hardware; USB flash drives; interactive data transfer apparatus; computer programs for user interface design; access interfaces for networks managed by private networks; USB devices (wireless network adapters); computer network routers; software; electronic cryptographic storage device [token]; expressly excluding downloadable music, downloadable electronic sheet music, sound recording discs, compact discs [audio and video], phonograph discs, digital versatile discs [DVD], exposed cinematographic films, downloadable ring tones for mobile telephones, downloadable virtual magazine and downloadable electronic magazines.