9 Computer hardware and software for mobile telecommunications devices, smartcards, smart card readers, tablet PCs, handheld and wireless devices, and proximity payment devices ('transponders') to access information and conduct electronic transactions, purchases and payments using radio frequency identification (RFID) and near field communication (NFC) technology; downloadable and pre-loaded software for use in handheld and wireless devices and readers to facilitate the use of coupons, rebates, discounts, loyalty points and offers through NFC technology; computer software and hardware; Electrical apparatus and instruments; telecommunications equipment; Software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile/handheld/wireless telecommunication devices of consumers; Software application that allows merchants to transmit smart posters featuring coupons, rebates, discounts, vouchers and special offers to retail and wholesale in-store locations and enables consumers to access said posters all via mobile/handheld/wireless telecommunication devices; software application that enables electronic transmission of payment data; software application that allows for hosting of payment credentials, including debit and credit cards, and loyalty card credentials on mobile/handheld/wireless telecommunication devices; software application that enables consumers to digitally transfer coupons, rebates, discounts, vouchers and special offers from websites, emails or other digital medium directly to their mobile telecommunications devices for presentation to merchants; software application that allows for hosting of identification credentials, including drivers licence, health card, and social insurance number card