9 Electric apparatus and instruments using near field communication technology for facilitating commercial transactions via electronic means via wireless networks, global computer networks and mobile telecommunication devices, namely, mobile phones, readers for chip-cards and devices for proximity payment processing; Computer operating system software for facilitating commercial transactions via electronic means via wireless networks; Computer software, downloadable and preloaded, enabling users to access coupons, rebates, discounts, reductions and special offers online via websites, by scanning coupons, discounts, rebates, reductions and special offers for printing goods and via the receptor of mobile telephones and other mobile devices for posters and printed matter via near field communication (NFC) and by sending such coupons, discounts, rebates, reductions and special offers to mobile phones and other mobile telecommunication devices for exchange at wholesale or retail outlets or at virtual points of sale; Computer software applications for use with contactless payment terminals enabling merchants to accept e-commerce transactions without contact, for contactless presentation of customer loyalty information and contact-free redemption of tokens, rebates, discounts and special offers; Computer software applications enabling merchants to send coupons, rebates, discounts, vouchers and special offers directly to consumers' mobile telecommunications devices; Computer software applications enabling merchants to develop smart posters inside retail and wholesale premises accessible for connection by consumers by means of mobile telecommunications devices enabling access to coupons, rebates, discounts, vouchers and special offers; Computer application software for contactless payment via near field communication (NFC); Computer software applications enabling the hosting of identification credentials of loyalty cards on mobile telecommunications devices; Computer software applications customizable by merchants for enabling consumers to transfer directly and via digital means coupons, discounts, rebates, vouchers and special offers from websites, via e-mail or other digital media to their mobile telecommunications devices; Computer application software enabling the management and operation of customer loyalty programs; Computer application software for processing, carrying out, securing and guaranteeing payments in the context of operations for the purchase and sale of goods or services conducted by e-commerce sites, telephone or computer networks or via any other means of electronic communication; Computer application software for processing, carrying out, securing and guaranteeing payments in the context of operations for the purchase and sale of goods or services conducted by e-commerce sites, telephone or computer networks or via any other means of electronic communication; Communication software for connecting computer network users, global computer networks; Computer application software used for the installation of downloaded software; Computer application software for searching and retrieving information on computer networks; Interactive computer operating systems and software; Electronic apparatus, namely, telecommunication, computer instruments and equipment for authentication, identification, encoding, decoding, encryption, decryption and verification of data, in the context of processing and securing payments online, by telephone, or via any other means of electronic communication; Magnetically encoded prepaid electronic cards usable over the telephone, enabling access to a radio telecommunications service; Computer application software for the electronic processing of structured and other data for the purposes of recognition, classification and extraction, as well as intelligent identification and reconciliation of its content, all intended for the prevention and detection of fraud on global telecommunication networks, as well as for processing and securing payments online, by telephone, or by any other means of electronic communication; Magnetically encoded bank cards for issuance by financial institutions; Blank electronic chip card; Blank smart cards; Magnetic coded cards containing electronic chips for use as debit cards, credit cards, charge cards, key access cards, gift cards and identity cards; Blank smart cars used as loyalty cards; Cards equipped with contactless technology, namely, near filed communications (NFC); Electronic cash payment computer application software