Computer software platforms, downloadable, for use in connection with presentation, transmission, verification, authentication, redemption, and electronic storage of discounts, coupons, incentives, rebates and promotional offers; Computer software platforms, downloadable, for processing mobile payments; Computer software platforms, downloadable, for contactless transactions with merchants, retailers, and vendors via mobile devices used to process mobile payments; Computer software platforms, downloadable, for ensuring security of credit and debit card information, security of mobile payments, and security of contactless transactions with merchants, retailers, and vendors via mobile devices; Computer software platforms, downloadable, for storing, facilitating, transmitting, verifying, processing, and authenticating credit and debit card information and other transaction and payment information; Downloadable computer application software for mobile phones, namely, software for consumer loyalty programs used to collect, access, and redeem loyalty points; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; Near field communication (NFC) tags for issuing, processing, and redeeming loyalty points for purchase of goods and services