Electrical apparatus and instruments, namely, mobile telephones, smart card readers, and proximity payment processing devices, namely, card and chip readers and transponders, all using near field communication 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; telecommunications equipment, namely, telephones and mobile telephones for facilitating commercial transactions through electronic means via wireless network, global computer network and/or mobile telecommunication device