Providing electronic transmission of payment transactions and related information, merchant-customer communications, and advertising and promotional materials; providing electronic transmission of financial and business information between and among customers and businesses

computer hardware; handheld computer hardware; mobile computer hardware; electronic devices for providing wireless transmission and reception of data namely infrared transceivers, wireless data transceivers, cell phones, mobile phones, personal digital assistants, handheld computers, point of sale computer terminals, mobile computer hardware with computer memory and wireless transceiver for the storage and wireless reception and transmission of digital data, and automobile integrated computer...