Computer hardware and software platform for facilitating and administering payment services; computer hardware and software platform for facilitating and administering banking services; computer hardware and software platform for facilitating and administering credit card services; computer hardware and software platform for facilitating and administering debit card services; computer hardware and software platform for facilitating and administering stored value and payment card services; computer hardware and software platform for facilitating and administering automatic teller machine services; computer hardware and software platform for facilitating and administering electronic funds transfer and electronic payment services; computer hardware and software platform for facilitating and administering electronic processing and transmission of bill payment data; computer hardware and software platform for facilitating and administering cash disbursement services; computer hardware and software platform for facilitating and administering transaction authentication services; computer hardware and software platform for facilitating and administering routine services; computer hardware and software platform for facilitating and administering transaction authorization and settlement services; computer hardware and software platform for facilitating and administering fraud detection and fraud control services; computer hardware and software platform for facilitating and administering disaster recovery and encryption services; computer software and hardware that facilitates the identification and authentication of near field communication (NFC) devices and radio frequency identification (RFID) devices; computer hardware and software comprising a digital wallet that stores customer account information to access coupons at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts; computer hardware and software comprising a digital wallet that stores customer account information to access vouchers at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts; computer hardware and software comprising a digital wallet that-stores customer account information to access voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts; scientific apparatus and instruments; magnetic data carriers; recording discs; mechanisms for coin operated apparatus; cash registers; data processing equipment; computers; computer hardware; computer software and computer programs; telecommunication and electrical apparatus and instruments for the registration of data including sound and images; telecommunication and electrical apparatus and instruments for the transmission of data including sound images; telecommunication and electrical apparatus and instruments for the reproduction of data including sound and images; accounting machines; magnetic recording supports; apparatus for tracking financial accounts via a global computer network, apparatus for management and analysis of financial accounts via a global computer network; systems for reading memory cards and systems for reading data in memories including integrated circuit memories and banking card memories; downloadable electronic publications; printing apparatus including printing apparatus for data processing systems and financial transaction systems; automatic tellers and cash machines for banking establishments; encoders and decoders; modems; computer hardware and software for facilitating payment transactions by electronic means over wireless networks, global computer networks anti or mobile telecommunications devices; computer hardware and encryption software; encryption keys; digital certificates; digital signatures; software for secure data storage and retrieval and transmission of confidential customer information used by individuals and banking and financial institutions; downloadable computer programs and application software for mobile phones and other digital devices that allow users to access coupons; downloadable computer programs and application software for mobile phones and other digital devices that allow users to access vouchers; downloadable computer programs and application software for mobile phones and other digital devices that allow users to access voucher codes; downloadable computer programs and application software for mobile phones and other digital devices that allow users to access rebates downloadable computer programs and application software for mobile phones and other digital devices that allow users to access price-comparison information and product reviews; downloadable computer programs and application software for mobile phones and other digital devices that allow users to access links to the retail websites of others and discount information; downloadable computer programs and application software that allows users to access sales promotion offers and obtain monetary rewards that can be credited to their accounts; software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless mobile commerce transactions; software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless presentation of loyalty credentials and contactless redemption of coupons; software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept rebates and discounts; software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept vouchers and special offers; software application that allows merchants to deliver coupons; software application that allows merchants to deliver rebates and discounts; software application that allows merchants to deliver vouchers and special offers directly to the mobile telecommunications devices of consumers delivered by contactless RFID or NFC communications; 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; 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 rebates and discounts; 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 vouchers and special offers delivered by contactless RFID or NFC communications; integrated circuit chips for use in mobile phones and NFC and RFID devices; magnetic encoded cards and cards containing an integrated circuit chip (smart cards); security encoded cards; cards encoded with security features for authentication purposes; cards encoded with security features for identification purposes; hologram impregnated cards; charge cards; bank cards; credit cards; debit cards, chip cards; stored value cards; electronic data carrier cards; payment cards and payment cards all encoded; banking cards including printed banking cards and banking cards using magnetic memories and integrated circuit memories; card readers; magnetic coded card readers; electronic data carrier card readers; electronic encryption units; computer terminals; computer software for use in the financial services, banking and telecommunications industries; computer software designed to enable smart cards to interact with terminals and readers; downloadable and preloaded software that allows users to access coupons; downloadable and pre-loaded software that allows users to access rebates and discounts; downloadable and preloaded software that allows users to access vouchers and special offers online via websites by scanning coupons and vouchers from printed materials and by tapping on mobile phones and other mobile devices for NFC-enabled print or posters and sending such vouchers to mobile phones and other mobile telecommunications devices for redemption at retail or wholesale locations or virtual points of sale; computer chips embedded in telephones and other communication devices; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices (transponders); electronic verification apparatus for verifying authentication of charge cards; electronic verification apparatus for verifying authentication of bank cards; electronic verification apparatus for verifying authentication of credit cards; electronic verification apparatus for verifying authentication of debit cards and payment cards; cash dispensing machines; electronic computer peripheral devices; calculating machines; pocket planners; mobile telephones; mobile telephone handsets; tablet computers; digital readers and personal digital assistants (PDAs).

Business management and advisory services; marketing consulting services; market research services; tracking, analysing, forecasting and reporting cardholder purchase behaviour; promoting the sale of the goods and services of others by means of rewards and incentives generated in connection with the use of credit, debit and payment cards through means of wireless networks, mobile telecommunications devices or global computer network; administration of loyalty and rewards programs through means of wireless networks, mobile telecommunications devices or global computer network; advertising for others through means of wireless network, mobile telecommunications devices or a global computer network; business administration; office functions; commercial, industrial and business management assistance; business appraisals; advisory services for business management; marketing studies; statistical information (business); preparation of statements of accounts; book-keeping; business research; public relations; publication of publicity texts; issuing of publicity leaflets; computer database management; data processing and data verification services; data retrieval services; promoting concerts and cultural events of others, organization of expositions having commercial or advertising purposes; advertising for transport, travel, hotels, lodging, food and meals, sports, entertainment and sightseeing, for tourist agencies services, and for information relating to tariffs, timetables and methods of transport and travel arrangement through means of wireless networks, mobile telecommunications devices or global computer network; providing information regarding purchase of goods and services on-line through means of the internet and other computer networks; providing an on-line and mobile directory of information regarding merchants who accept contactless mobile payments and promote good and services through this channel; the provision of information and advisory services in relation to all the aforesaid.