Downloadable and pre-loaded 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 that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile/handheld/wireless telecommunication devices of consumers; Software application that allows merchants to transmit 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/wireless telecommunication devices; software application that enables electronic transmission of payment data; software application that allows for hosting of payment credentials, including debit and credit cards, and loyalty card credentials on mobile/handheld/wireless telecommunication devices; software application that enables consumers to digitally transfer coupons, rebates, discounts, vouchers and special offers from websites, emails or other digital medium directly to their mobile telecommunications devices for presentation to merchants; software application that allows for hosting of identification credentials, including driver's licence, health card, and social insurance number card

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

Financial services, namely, providing credit card and debit card services; financial transaction authorization; provision of financial information processing services by means of a global computer network or the internet; mobile wallet and e-wallet services; electronic cash transactions; processing of financial 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; Financial services, namely, providing on-line electronic databases for facilitating financial transactions via a global computer network; Financial services, namely, provision of contactless mobile payment through merchants at retail, online, and wholesale locations

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/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 electronic communications for facilitating commercial transactions, through electronic means via a wireless network and/or mobile/handheld/wireless telecommunication devices; providing secure repository for personal identification credentials

Providing computer security for financial data in the nature of encryption and decryption, local area network security and financial information data decryption