Electrical apparatus and instruments, namely, mobile telephones, smart card readers, and proximity payment processing devices all using near field communication technology for facilitating commercial transactions through electronic means via wireless network, global computer network and mobile telecommunication device; computer operating system software for facilitating commercial transactions through electronic means via wireless network, global computer network and mobile telecommunication device; telecommunications equipment, namely, telephones and mobile telephones for facilitating commercial transactions through electronic means via wireless network, global computer network and/or mobile telecommunication device; downloadable and pre-loaded software that allows users to, access coupons, rebates, discounts, vouchers and special offers online via websites, by scanning coupons, rebates, discounts, vouchers and special offers from printed materials and by tapping on mobile phones and other mobile devices for Near Field Communication (NFC) enabled print or posters and sending such coupons, discounts, rebates, vouchers and special offers to mobile phones and other mobile telecommunication devices for redemption at retail or wholesale locations or virtual points of sale; Software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless mobile commerce transactions, contactless presentation of loyalty credentials, and contactless redemption of coupons, rebates, discounts, vouchers and special offers; Software application that allows merchants to deliver coupons, rebates, discounts, vouchers, and special offers directly to the mobile telecommunications devices of consumers; Software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers; software application that allows merchants to deploy smart posters in retail and wholesale in-store locations that consumers can tap with their mobile telecommunications devices to access coupons, rebates, discounts, vouchers and special offers. Software application that allows contactless payments; software application that allows for hosting of loyalty card credentials onto mobile telecommunication devices; software application that merchants can deploy to allow consumers to digitally transfer coupons, rebates, discounts, vouchers and special offers from websites, emails or other digital medium directly to their mobile telecommunications devices