Downloadable software in the nature of a mobile application for secure financial transactions and payments; Downloadable software in the nature of a mobile application that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Computer software application that allows merchants to deliver coupons, rebates, discounts, vouchers, rewards and special offers directly to the mobile telecommunications devices of consumers; software application that enables electronic transmission of payment data via a global computer network and wireless networks; Computer software application that allows for hosting of loyalty card credentials on mobile telecommunication devices; Computer software application that enables consumers to digitally transfer coupons, rebates, discounts, vouchers, rewards and special offers from websites, emails or other digital medium directly to their mobile telecommunications devices for presentation to merchants; Electrical apparatus and instruments, namely, mobile telephones, smart card readers, and proximity payment processing devices in the nature of sensors, all using wireless 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; Computer software application that allows contactless payments via mobile telecommunications devices; 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, rewards and special offers from websites, emails or other digital medium directly to their mobile telecommunications devices; all of the foregoing not relating to baseball or softball or to a baseball or softball team, league, mascot or stadium