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 and mobile bulletin board for transmission of messages by participating merchants concerning contactless payment services, coupons, rebates, discounts, vouchers, special offers and loyalty programs via mobile telecommunications devices and/or a website; Providing private and secure electronic communications for facilitating commercial transactions, through electronic means via a wireless network and/or mobile telecommunication devices