downloadable software in the nature of a mobile application for secure financial transactions and payments; downloadable software in the nature of a mobile application that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; computer software application that allows merchants to deliver coupons, rebates, discounts, vouchers, rewards and special offers directly to the mobile telecommunications devices of consumers; software application that enables electronic transmission of payment data via a global computer network and wireless networks; computer software application that allows for hosting of loyalty card credentials on mobile telecommunication devices; computer software application that enables consumers to digitally transfer coupons, rebates, discounts, vouchers, rewards and special offers from websites, emails or other digital medium directly to their mobile telecommunications devices for presentation to merchants; electrical apparatus and instruments, including, mobile telephones, smart card readers, and proximity payment processing devices all using wireless technology for facilitating commercial transactions through electronic means via wireless network, global computer network and mobile telecommunication device; computer operating system software for facilitating commercial transactions through electronic means via wireless network, global computer network and mobile telecommunication device; computer software application that allows contactless payments via mobile telecommunications devices; software application that allows for hosting of loyalty card credentials onto mobile telecommunication devices; software application that merchants can deploy to allow consumers to digitally transfer coupons, rebates, discounts, vouchers, rewards and special offers from websites, emails or other digital medium directly to their mobile telecommunications devices

banking services provided by mobile telephone connections; providing secure access to account information; electronic commerce payment services, including, establishing funded accounts used to purchase goods and services via the Internet and wireless networks; electronic commerce payment services, including, processing electronic payments made through wireless credit, debit and prepaid cards and accounts; credit card account and debit card account services; financial transaction services, including, providing secure commercial transactions and payment options using mobile devices; merchant services, including, payment transaction processing services; payment processing services, including, credit card and debit card transaction processing services; pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; providing electronic processing of ACH and credit card and account transactions and electronic payments via the Internet and wireless networks; providing electronic processing of credit card transactions and electronic payments via a global computer network and wireless networks; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores