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; Magnetic encoded cards and cards containing an integrated circuit chip in the nature of smart cards all containing programming used to process payments; Cards encoded with security features for authentication purposes; Charge cards, bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, and payment cards all encoded; Downloadable computer software and applications for mobile devices for facilitating and administering banking, payment by credit card, debit card, or payment card, automatic teller machine services, stored value card services, electronic funds transfer services, electronic payment services, electronic processing and transmission of bill payment data, cash disbursement services, transaction authentication services, routing, authorization and settlement services, and fraud detection and control services; Downloadable computer software and applications for mobile services that facilitate the identification and authentication of near field communication (NFC) devices and radio frequency identification (RFID) devices; Downloadable computer software and applications for mobile devices comprising a digital wallet that stores customer account information and permits consumers to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts; Downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network