9 Electric apparatus and instruments, namely, mobile telephones, readers for chip cards and devices for proximity payment processing, all using near-field communication technology for facilitating commercial transactions via electronic means on wireless networks, global computer networks and mobile telecommunication devices; operating system software for facilitating commercial transactions via electronic means via wireless networks, global computer networks and mobile telecommunication devices; telecommunication equipment, namely, telephones and mobile telephones for facilitating commercial transactions via electronic means on wireless networks, global computer networks and/or a mobile telecommunication device; downloadable and preloaded software 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 mobile telephone reception and other mobile devices for posters and printed matter by means of near field communication (NFC) and by sending such coupons, discounts, rebates, reductions and special offers to mobile telephones and other mobile telecommunication devices for exchange at wholesale or retail outlets or at virtual points-of-sale; software application for use with contactless payment terminals enabling merchants to accept contactless e-commerce transactions, for contactless presentation of customer loyalty information and contactless redemption of tokens, rebates, discounts and special offers; software applications enabling merchants to send coupons, rebates, discounts, vouchers and special offers directly to consumers' mobile telecommunications devices, software applications enabling merchants to develop smart posters in internal retail and wholesale spaces to which consumers can connect by means of their mobile telecommunication devices to access coupons, rebates, discounts, vouchers and special offers; application software enabling contactless payment; application software for hosting the identification credentials of loyalty cards in mobile telecommunications devices; application software customizable by merchants to enable consumers to directly and digitally transfer coupons, discounts, rebates, vouchers and special offers from websites via e-mail or other digital media to their mobile telecommunications devices; software enabling the management and operation of customer loyalty programs; software computer programs for processing, carrying out, securing and/or 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 any other means of electronic communication; application software for processing, carrying out, securing and/or 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 and global computer networks; computer operating software used for the installation of downloaded communication software; software for searching and retrieving information on computer networks; interactive computer operating systems and software for processing online payments and for management of customer loyalty programs; electronic, computer or telecommunication apparatus, instruments and equipment, for the authentication, identification, encoding, decoding, encryption, decryption and verification of data, in the context of the processing and securing of payments online, by telephone, or by any other means of electronic communication; magnetically encoded prepaid electronic cards usable over the telephone, enabling access, by prepayment, to a radio-telecommunication service; telecommunication software for the electronic transmission of data and information relating to payment on line, by telephone, or by any other means of electronic communication; software for the electronic processing of data whether structured or not for the purposes of recognition, classification and extraction, as well as identification and intelligent links in the content thereof, all intended for the prevention and detection of fraud on a worldwide telecommunication network, 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 cards, especially blank magnetic or blank smart or blank flash memory cards; encoded loyalty cards; cards equipped with contactless technology namely, near filed communications (NFC); electronic cash payment software