Computer software for mobile phones, tablets, handheld and portable smart devices, multimedia devices, laptops, and desktop computers, namely, software for facilitating payment and debt transactions in an online and/or web-based environment using near field communication (NFC) technology in conjunction with near field communication (NFC) technology-enabled credit cards and/or debit cards; Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Computer software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information; Computer e-commerce software to allow users to perform electronic business transactions via a global computer network; Computer software for processing electronic payments and transferring funds to and from others; Computer software for facilitating commercial transactions through electronic means via wireless network, global computer network and mobile telecommunication device; Computer software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; Computer software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information; Authentication software for controlling access to and communications with computers and computer networks; Authentication software for controlling access to and communications with computers that may be downloaded from a global computer network and/or recorded on computer media; Computer software for use in connection with the electronic storage, transmission, presentation, verification, authentication, and redemption of coupons, rebates, discounts, incentives, and special offers; Computer software for use in connection with consumer loyalty programs and loyalty cards used to access and use loyalty points; Computer software used to process mobile payments; Computer software for use in contactless transactions with retailers, merchants, and vendors via mobile devices used to process mobile payments; Magnetically encoded credit cards and payment cards; Electronic and magnetic ID cards for use in connection with payment for services; Near field communication (NFC) technology-enabled devices; Near field communication (NFC) technology-enabled readers; 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; Data processing equipment and computers; Computer programs for using the internet and the world wide web; Computer software for enhancing the capabilities of web browser software; Downloadable software for assistance in the use of a browser tool bar; Downloadable internet browser plug-ins in the nature of a multi-function tool bar plug-ins