Computer hardware and software for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization and settlement services, fraud detection and control, disaster recovery and encryption services; computer software and hardware for the identification and authentication of near field communication (NFC) devices and radio frequency identification (RFID) devices; computer hardware and software for a digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts; blank magnetic data carriers; computer software and computer programs for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization and settlement services, fraud detection and control; computer software for the registration, transmission and reproduction of data including sound and images; computer software for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software for the development, maintenance and use of local and wide area computer networks; computer systems for reading memory cards and computer systems for reading data in memories, namely, integrated circuit memories and banking card memories; downloadable electronic publications, namely, newsletters in the field of banking and finance. computer hardware and software for encoding using encoders and decoders; computer hardware and software for encoding using encoders and decoders; computer hardware and software for facilitating payment transactions by electronic means over wireless networks, global computer networks and/or mobile telecommunications devices; computer hardware and encryption software, software for creation, control, storage and application of encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; downloadable computer programs and application software for mobile phones and other digital devices in the nature of tablet computers, digital readers and personal digital assistants that allow users to access coupons, vouchers, voucher codes, rebates, price-comparison information, product reviews, links to the retail websites of others, and discount information; downloadable software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless mobile commerce transactions, contactless presentation of loyalty credentials, and contactless redemption of coupons, rebates, discounts, vouchers and special offers; downloadable software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers delivered by contactless RFID or NFC communications; downloadable 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, rebates, discounts, 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 credit cards, debit cards and payment cards and cards containing an integrated circuit chip and smart cards to access information and conduct electronic transactions, purchases and payments; encoded identity cards for security purposes; cards electronically encoded with security features for financial authentication purposes in connection with the processing of financial payment transactions; cards electronically encoded with security features for identification purposes; magnetically encoded cards for processing financial payment transactions with holograms affixed to them; charge cards, bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, payment cards and payment cards all magnetically encoded or encoded with electronic chips; banking cards including printed banking cards and banking cards using magnetic memories and integrated circuit memories; card readers for magnetically encoded cards; electronic encryption units, computer hardware, computer terminals, computer software for use in the financial services, banking and telecommunications industries, namely, for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization and settlement services, fraud detection and control; computer software designed to enable smart cards, mobile phones and mobile devices to interact with terminals and readers; downloadable and software pre-loaded on mobile phones, tablet computers, digital readers and personal digital assistants that allows users to access coupons, rebates, discounts, vouchers and special offers online via websites, by scanning coupons, rebates, discounts, vouchers and special offers from printed materials and by tapping on mobile phones and other mobile devices for NFC- enabled print or posters and sending such coupons, discounts, rebates, vouchers and special offers 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, namely, transponders; point of sale transaction terminals and computer software for transmitting, displaying and storing transactions, identifications and financial information for use in the financial services, banking and telecommunications sectors; radio frequency identification devices, namely, RFID transponders; electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; cash withdrawal machines, namely, automated teller machines (ATM); vending machines; computer peripheral devices and electronic goods, namely, mobile telephones, mobile telephone handsets, tablet computers, digital readers and personal digital assistants (PDAs); computer software for processing electronic payments; authentication software for controlling access to and communications with computers and computer networks