Providing access to databases featuring near field communication-enabled promotional materials in the nature of coupons, rebates, discounts, vouchers and special offers for scanning and redemption at retail or wholesale establishments or virtual points of sale via mobile phones and other mobile telecommunication devices; telecommunications services, namely, electronic transmission of data related to commercial transactions via a wireless network, electronic transmission of data in the nature of a machine readable code which is displayed on a mobile device display screen; providing an online electronic bulletin board for transmission of messages among computer and/or mobile telecommunication device users, namely, participating merchants and consumers, concerning electronic payment services, coupons, rebates, discounts, vouchers, special offers and loyalty programs performed via mobile telecommunications devices and/or Internet websites; secure electronic exchange of financial data stored in databases accessible via wireless telecommunications networks or mobile telecommunication devices for facilitating financial transactions