Computer software for facilitating and administering payment, banking, credit card, debit card, payment card, electronic payments, electronic processing and transmission of bill payment data, transaction authentication, routing, authorization and settlement services, fraud detection and control, and encryption services; computer software and hardware for the identification and authentication of near field communication (NFC) devices and radio frequency identification (RFID) devices; computer software for a digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts; computer software for the registration, transmission and reproduction of data including sound and images; computer software for tracking, management and analysis of financial accounts via a global computer network; computer software for facilitating payment transactions by electronic means over wireless networks, global computer networks and/or mobile telecommunications devices; computer encryption software for encryption keys, digital certificates, and digital signatures; software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; downloadable 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; downloadable software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers delivered by contactless RFID or NFC communications; downloadable 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 delivered by contactless RFID or NFC communications; computer software designed to enable smart cards, mobile phones and mobile devices to interact with terminals and readers; computer software for transmitting, displaying and storing transactions, identifications and financial information for use in the financial services, banking and telecommunications sectors