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Providing temporary use of online non-downloadable software for mobile telephones, smartcards, smart card readers, tablet PCs and proximity payment devices, namely, transponders, to access information and conduct electronic transactions, purchases and payments using radio frequency identification (RFID) and near field communication (NFC) technology; providing temporary use of online non-downloadable software for use in wireless devices and readers to facilitate the use of coupons, rebates, discounts, loyalty points and offers through NFC technology