Software for use in handheld and wireless devices and readers to facilitate the use of coupons, rebates, discounts, loyalty points and offers through NFC technology; Software application for the transmission of coupons, rebates, discounts, vouchers and special offers directly to the mobile, handheld and wireless telecommunication devices of consumers; Software application for transmission of advertising in the nature of smart posters featuring coupons, rebates, discounts, vouchers and special offers to retail and wholesale in-store locations and enables consumers to access said posters all via mobile, handheld and wireless telecommunication devices; Software application for electronic transmission of payment data; Software application for transferring digital coupons, rebates, discounts, vouchers and special offers from websites, emails or other digital medium directly to mobile telecommunications devices for presentation to merchants; providing mobile and web-based downloadable e-wallet software applications for accessing a database of personal financial information and availability of funds and for processing financial payments for the purchase of goods and services

Providing an on-line and mobile business directory of information regarding merchants who accept contactless mobile payments

Financial services, namely, providing credit card and debit card services; Financial transaction credit card authorization and debt settlement services; Provision of financial information processing services by means of a global computer network or the internet; Electronic cash transactions; Processing of financial credit card and electronic payment transactions; Payment transaction processing; Dissemination of financial information via a global computer network, wireless network, mobile communication device; Financial analysis and research services for others; Providing a website portal in the field of financial transaction and payment processing services via a global computer network

Telecommunications services, namely, electronic transmission of data related to commercial transactions via a wireless network, electronic transmission of data in the nature of a machine readable code which is displayed on a mobile, handheld and wireless device display screen; Providing an online and mobile bulletin board for transmission of messages by participating merchants concerning contactless payment services, coupons, rebates, discounts, vouchers, special offers and loyalty programs via mobile telecommunications devices and/or a website; Providing private and secure real time electronic communications for facilitating commercial transactions through electronic means via a wireless network and/or mobile, handheld and wireless telecommunication devices

Software as a service (SAAS) services, namely, hosting software for secure sharing of payment and personal identification credentials; Computer security for financial data in the nature of encryption and decryption and local area network security and financial information data decryption; mobile wallet and e-wallet services, namely, providing temporary use of mobile and web-based non-downloadable software applications for accessing a database of personal financial information and availability of funds and for processing financial payments for the purchase of goods and services