An IoT electronic device incorporating communication and electronic hardware, a digital card reader and embedded proprietary software allowing cashless payments when purchasing goods and services in unattended points of sale and unattended points of service, including parking lots, public toilets and playgrounds and also in vending machines and other automatic machines; an IoT electronic device incorporating communication and electronic hardware, a digital card reader and embedded proprietary software allowing retailers, merchants, service providers and vending machine operators to process and manage cashless payments and receive, analyze and manage purchase-related data through a web management platform; downloadable software application for use on mobile devices for use as a digital wallet; debit cards, namely, magnetically encoded debit or pre-paid cards, magnetically encoded debit or pre-paid cards embedded with chips and contactless debit or pre-paid cards embedded with chips

Financial services for merchants, retailers, service providers and vending machine operators, namely, charge card, debit card, credit card, pre-paid card and electronic wallet payment processing and payment verification; electronic wallet services, namely, bill and debit card payment services provided via electronic wallet, financial transactions in the nature of secure commercial transactions and payment options, and financial balance storage in the nature of checking account services; cashless payment services, namely, automated Clearing House (ACH) transaction processing services; debit card services, namely, electronic debit card transaction processing

Software as a Service (SaaS) featuring a web platform software enabling merchants, retailers, service providers, vending machine and other automatic machine operators to view, analyze and manage payments, transactions, financial data and inventory data, in relation to cashless purchases of goods and services in unattended points of sale and unattended points of service, including parking lots, public toilets and playgrounds, and also in vending machines and other automatic machines, to manage maintenance and operation of these machines, and to manage retail operations and sales