An IoT electronic device incorporating communication and electronic hardware, a digital card reader and a proprietary software allowing cashless payments when purchasing goods and services in unattended, attended and self-service sale and service points, including parking lots, public toilets, playgrounds, vending machines and other automated machines, public transport, electric vehicle charging stations, as well as shops, restaurants, hotels and kiosks, car washes and gas stations, entertainment and gaming arcades; an IoT electronic device incorporating communication and electronic hardware, a digital card reader and a proprietary software allowing retailers, merchants, service providers and vending machine operators to process and manage cashless payments and receive, analyze and manage data related to the management of the business, including inventory, payments, purchases, alerts, reports and ongoing employee management; business intelligence system for processing and analyzing data and providing insights, forecasts, trends and sales reports, through a network management platform and application; digital wallet application for use on mobile devices; computer software application for use in electric vehicle charging stations; debit cards, namely, encoded debit cards or pre-paid cards, chip embedded debit cards or pre-paid cards or cards paid through an application; high-resolution electronic touchscreen displays; interactive information stations via touch screen; downloadable or recorded computer software platforms for managing and analyzing digital marketing activities, including running marketing campaigns, digital punch cards, discounts, loyalty programs and special offers including special offers tailored to the customer

Data collection and analysis services of consumer activity, including connecting information about consumer behavior in online marketing activities with purchases in retail physical stores, promoting products and website traffic optimization via digital platforms and applications; reception services for visitors provided with the help of digital reception devices; administration of customer loyalty programs, including enabling consumers to use points and assets accumulated in a loyalty program

Financial services for merchants, retailers, service providers and vending machine operators including payment processing and payment verification; transferring funds in electronic form; clearing and settlement of financial transactions; electronic wallet services, namely, electronic wallet services for payments, financial transactions, and providing information about financial balance; cashless payment services; debit card services, including encoded debit cards or prepaid cards, or cards paid through an application, chip embedded debit cards or pre-paid cards; issuance of debit cards, including digital debit cards; financing services; financial and asset management services on the basis of information received from real-time information monitoring related to inventory, payments, purchases, alerts, reports and from ongoing monitoring of employees

Technology services, namely, software as a service (SaaS) featuring a web platform enabling merchants, retailers, service providers, vending machine and other automatic machine operators to view, analyze and manage payments, transactions, financial data and inventory data, in relation to cashless and cash purchases of goods and services in unattended, attended and self-service sale and service points, including parking lots, public toilets, playgrounds, vending machines and other automated machines, public transport, as well as shops, restaurants, hotels and kiosks, car washes and gas stations, entertainment and gaming arcades; software as a service (SaaS) enabling management and operation of vending machines and other automated machines and the management of retail operations and sales, including inventory, payments, purchases, alerts, reports and ongoing management of employees; software as a service (SaaS) including software featuring business intelligence system for processing and analyzing data and providing insights, forecasts, trends and sales reports, through a network management platform and application; providing on-line non-downloadable software applications for use in electric vehicle charging stations; software as a service (SaaS) including an application related to debit cards, namely, encoded or prepaid debit cards, debit cards with an embedded chip or prepaid cards or cards paid through an application; providing on-line non-downloadable software for management and monitoring of real-time information of inventory, payments, purchases, alerts, reports and ongoing management of employees and website traffic; providing on-line non-downloadable software featuring business intelligence system for processing and analyzing data and providing insights, forecasts, trends and sales reports from the data; providing on-line non-downloadable software platforms that enable non-cash payments, collecting and analyzing data for business and consumer insights, such platforms accessible via electronic devices located at service and sale points; providing temporary use of non-downloadable online operating software for accessing and using a cloud computing network; providing computer platforms through cloud computing for the purpose of managing, operating, accessing and synchronizing between the various communication channels regarding products, customers, loyalty programs and customer programs; providing temporary use of non-downloadable applications for the maintenance, management and tracking of profits and performance of vending machines; design and development of business intelligence software systems for processing and analyzing data and providing insights, forecasts, trends and sales reports from the data; providing on-line non-downloadable software platforms that enable non-cash payments, collecting and analyzing data for business and consumer insights, such platforms accessible via electronic devices located at service and sale points