Educational and training programs in the field of risk management

Electronic commerce services, namely electronic bill payment services; electronic commerce services, namely electronic payment processing services; electronic commerce services, namely point of sale payment processing services; Business services in the nature of provision of hardware and software support services for the owners and providers of payment terminals, namely business account management, business administration of consumer loyalty programs and retention programs; Business management; business management consultation; business risk management services; Administration of consumer loyalty programs; Account auditing services; financial auditing; financial records management; business information; data management; data processing; database management; data processing consultancy; compilation of data; database marketing; data processing verification; business analysis; business advice; business planning; business studies; business strategy services; business organisation advice; business marketing consultancy; business process management; administration of business; maintaining a registry of information; Bill presentment services; Billing Services; Bill-posting; Administration, billing and reconciliation of accounts on behalf of others; Statistical analysis and reporting; Rental of electronic point of sale (EPOS) equipment; Computerised point-of-sale data collection services for retailers; administration, preparation of invoices; merchant enrollment services for others in the field of payment; bill presentment services; Outsource service provider in the field of customer relationship management; customer service management for others; commercial consultancy in the field of blockchain technology and cryptocurrency; fast checkout services; providing transportation documentation for others [administrative services]; administration of business affairs of retail stores; Financial records management; providing information and analysis by electronic means in connection with marketing data; automated billing services; automated subscription billing services; on-line billing services; business consultation services in the nature of providing information and advice concerning equipment and available services helpful in the administration of businesses providing merchant banking account services, payment processing services, financial reporting services, advertising services and web site services all relating to merchant account services; invoicing services; website shopping cart services for use by online retailers, namely, order processing, order confirmation, order tracking and shipping confirmation, all over a global computer network.

Bill payment services; electronic commerce payment services; charge card and credit card payment processing services; cryptocurrency payment processing; electronic foreign exchange payment processing; electronic payment, namely, electronic processing and transmission of bill payment data; financial services in the nature of payment processing services; financial services in the nature of person-to-person payment processing services via a global computer network; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; internet-secure electronic transaction solutions for e-commerce namely processing electronic custody, banking, trade finance transactions and payments; merchant services, namely, payment transaction processing services; mobile payment services; merchant services, namely providing payment services for improving efficiency of the online purchase of goods and services through securely stored account information; payment verification services; processing and transmission of bills and payments thereof; processing electronic payments made through prepaid cards; processing electronic payments through credit and debit cards; processing of contactless credit and debit card payments via near field communication technology-enabled devices; processing of credit card payments; processing of credit card payments via near field communication technology-enabled devices; processing of debit card payments; processing of electronic check payments; processing of electronic payments made through credit cards; processing of electronic payments made through debit cards; processing of electronic payments made through online money transfers; processing of electronic payments made through units of crypto-currency; processing of electronic wallet payments; processing of secure electronic payment transactions over public computer networks to facilitate electronic commerce; providing electronic processing of electronic funds transfer, automated clearing house (ach), credit card, debit card, electronic check and electronic payments; providing secure payments for commercial transactions; reimbursement payment processing; Credit card transaction processing by means of automated communication and telecommunication devices, namely, transaction authorizations, transaction capture, transaction settlement, chargeback handling, transaction reconciliation and transaction reporting; the provision of financial information, namely, information and data related to credit card transactions and payments, provided by electronic means; data processing services in the field of credit card transactions and credit card payments; Financial services for organizations namely payment processing services; Financial services for organizations namely receiving payments from stored value (e-wallet) accounts; card services, namely services for the use of prepaid cards, payment cards; e-wallet account services, namely the provision of online electronic money accounts (e-wallet accounts) and services whereby consumers fund their e-wallet accounts and consumers and online merchants (businesses) send and receive payments and remittances over the Internet; Stored-value account processing, e-wallet services namely providing consumers of merchants (businesses) with an e-wallet account for use in making secure payments for purchasing goods and services from such businesses; facilitating merchants (businesses), utilities and service-providing organizations to receive payments from various payment providers; financial services for allowing merchants resident in and selling goods and services from a first country to sell such goods and services to consumers resident in other countries and for residents in one country to purchase goods and services from merchants in another country; payment card services, providing the use of a payment card for purchasing goods and services at point of sale wherein funds for such purchases come from an electronic stored value account, savings account, credit facility or other facility; prepaid card, prepaid credit card and stored-value card services, namely, card services only for owners of internet-based, on-line accessible, electronic money accounts, whereby a payment card, prepaid card, prepaid credit card or stored-value card is used to purchase goods and services from physical merchants and on-line merchants, all funds used in such purchases being debited from the user's electronic money account; virtual card services for owners of internet-based, on-line accessible, electronic money accounts whereby a computer program provides the consumer with a virtual payment card having a one-use-only payment card number, for use in purchasing goods and services on-line, by mail, and by telephone, all funds used in such purchases being debited from the user's electronic money account; money transfer services namely transferring funds from person to person; transferring funds from one owner of an e-wallet account to another owner of an e-wallet account; Facilitating merchants (businesses), utilities and service-providing organizations to receive payments from various payment providers; financial services for allowing merchants resident in and selling goods and services from a first country to sell such goods and services to consumers resident in other countries and for residents in one country to purchase goods and services from merchants in another country; payment card services namely providing the use of a payment card for purchasing goods and services at point of sale and online wherein funds for such purchases come from an electronic stored value account, savings account, credit facility or other facility; pre-paid card services and stored-value card services, namely, card services only for owners of internet-based, on-line accessible, electronic money accounts, or credit-type accounts, whereby a payment card, pre-paid card or stored-value card is used to purchase goods and services from physical merchants and on-line merchants, all funds used in such purchases being debited from the user's electronic money account; virtual card services for owners of internet-based, on-line accessible, electronic money accounts, or credit-type accounts whereby a computer program provides the consumer with a virtual payment card having a one-use-only payment card number, for use in purchasing goods and services on-line, by mail, and by telephone, all funds used in such purchases being debited from the user's electronic money account or credit-type account; money transfer services namely transferring funds from person to person; transferring funds from one owner of an e-wallet account or credit-type account, to another owner of an e-wallet or credit-type account; Payment processing facilities for payment service provider services to on-line and other merchants (businesses), namely processing payments made by consumers to merchants through multiple channels namely on-line, call centre and automated telephone; electronic funds transfer services; payment service provider services to on-line and conventional merchants (businesses), utility companies and non-business service-providing organizations, namely obtaining financial credit for merchants, utility companies and other organizations, for payments made by consumers to merchants, utility companies and organizations such payments made online or through multiple channels call centre and automated telephone channels; purchaser and transaction verification for e-commerce financial transactions; stored-value account processing, namely providing the consumers of merchants (businesses) who pay for goods using credit card, with an e-wallet account for use in making secure payments to that business for future businesses; facilitating merchants (businesses), utilities and service-providing organizations to receive financial credit on account of their customers having made payments to them from various payment providers; providing the financial services required to permit merchants resident and shipping goods from, or providing services from, a first country to enter into transactions with individuals resident in other countries; Banking services; broad based financial services, namely, credit card, debit card, and charge card transaction processing and payment services; electronic credit and debit transaction, authorization, and verification services; credit card and debit card payment transaction, authorization, and verification services; check processing services; check verification services; electronic funds transfer services; point of sale transaction services; electronic payment processing services; electronic payment processing services for use by online retailers; transaction authorization and settlement services; payment transaction authentication and verification services; automated bill payment services; providing electronic processing of credit card and debit card transactions and electronic payments via a global computer network; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; third party credit card transaction processing services; gift card transaction processing services; merchant services, namely, payment transaction processing services; payment processing service for merchants and business management software providers which utilizes point-to-point encryption and tokenization to increase payment data security; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing secured payment gateway services for vendors to process payments of third parties; providing secured payment gateway for point-of-sale credit card, debit card, gift card, ACH and electronic payments; on-line ACH, credit card and electronic payment processing services; point of sale and point of transaction services, namely, electronic cash, credit card, and debit card transaction processing, authorization, and debt settlement services; payment transaction authentication and verification services in the nature of credit card and debit card verification services; facilitating person-to-person payment services through electronic means via a global computer network; providing financial information, namely, credit and debit card data and reports; providing financial information, namely, credit and debit card data and reports, electronic funds transfer, and financial information rendered by computer by means of a secure information computer network; financial analysis, namely, providing a wide range of financial information and analysis by electronic means in connection with credit cards, debit cards and other payment cards, cardholder spending, financial risk management, terminated merchants and reporting of chargebacks on credit cards; providing financial information and financial analysis by electronic means in connection with credit card, debit card, and other payment card transaction processing, authorization, and debt settlement services, credit cardholder spending, fraud reimbursement services in the field of credit card purchases, financial risk management, terminated credit cards of merchants and reporting of charge backs on credit cards; Electronic payment services, namely, electronic processing and transmission of payment data, electronic processing and transmission of bill payment data; electronic bill presentment and payment services; Payment Facilitator Services, namely enabling the creation and use of merchant processing accounts with payment networks to allow electronic processing of payments between consumers and merchants; payment aggregation services; payment gateway services; chargeback recovery services, namely electronic payment chargeback dispute resolution services in the event of fraud, error authorization issues and product and service non-fulfillment; electronic transfer of funds; electronic payment reconciliation services; electronic fund transfer services; multi-currency processing (MCP) enabled electronic payments gateway, capable of authorizing bankcard, non-bankcard, debit card, chip/EMV card-not-present and point-of-sale transactions in a cardholder's chosen local foreign currency, with settlement occurring to the merchant in multiple currencies, one-time and subscription billing options, hosted payment pages, tokenization-secure card storage, intelligent transaction routing; financial services in the nature of declined transaction salvage services accessed by virtual terminal (web-based) and direct integration via standard API (provided to merchant/partner) that comprises as well as associated web-based real-time reporting and reconciliation tools; cash advance services for businesses and merchants; Credit card and payment card services; Payment processing; Processing of gift card transactions; Processing of transactions made using vouchers; Processing of transactions made using gift certificates; contactless payment services; Automated processing; automated financial account opening services for others; Payment card services; Electronic payment services; Financial payment services; Collection of payments; credit card payment processing; Payment transaction card services; Automated payment of accounts; Financial risk management services; financial risk assessment services; Financial consultancy in the field of risk management; Bank card, credit card, debit card and electronic payment card processing services; Bill consolidation services; Bill payment services; Moneylending; money transfer; money transmission services; money exchange services; electronic transfer of money; advisory services relating to money management; financial services for the deposit of money; financial services in the field of money lending; financial services for the withdrawal of money; fund transfer services; electronic funds transfer; corporate funds management; services relating to the transfer of funds from accounts; e-wallet payment services; financial transactions via blockchain; blockchain-based payment verification services; financial transactions via non-fungible tokens (NFTs); current account services; computerized accounting; financial consultancy; financial information; financial transactions; financial exchange; financial analysis; financial services; financial valuations; financial clearing; financial feasibility studies; collection of financial information; issuance and redemption of tokens of value; providing information regarding tokens of value; funding services; currency trading; currency exchange services; virtual currency services; virtual currency exchange; currency transfer services; currency exchange rate quotations; virtual currency transfer services; financial exchange of virtual currency; financial services in relation to digital currencies; digital currency services; digital currency exchange; digital currency transfer services; digital currency exchange rate quotations; digital currency transfer services; financial exchange of digital currency; virtual currency transfer services; payment authorization services; Advancement of funds; Financing of cash advances; Debt settlement services; financial account settlement services; information services relating to banking; mobile banking services; online business banking services; on-line banking services; research services relating to banking; advisory services related to banking; computerized information services relating to banking institutions; banking services relating to the deposit of money; banking services relating to the transfer of funds from accounts; banking services relating to the electronic transfer of funds; Banking services relating to the acceptance of fixed interval installment payments; monitoring of financial transactions; banking services; cryptocurrency exchange services; generating international bank account numbers (IBAN) for others; generating codes for international transfer of funds between financial institutions; monetary transactions; foreign exchange transaction; arranging financial transactions; payment transaction card services; processing credit card transactions for others; processing of electronic credit card transactions; foreign currency services; foreign currency transfer services; on-line real-time currency trading; payment gateway services; issuing payment cards; issuing and redemption of vouchers; issuance and redemption of gift certificates; issuance and redemption of gift cards; issuing tokens of value; issuing credit cards; underwriting services; loan services; arranging loans; instalment loans; funding of loans; financial consultancy relating to loans; payment orchestration services for others; push-to-card services; clearing-house services; automated clearing house services; factoring services; online gaming transaction processing; text-to-pay services; chargeback recovery services; quick response (QR) payment services; customized visual code payment services; payment facilitator services; payment aggregator services; financial exchange of crypto assets; electronic transfer of crypto assets; financial exchange of non-fungible tokens (NFTs); electronic transfer of non-fungible tokens (NFTs); mobile payment acceptance services; customized visual code payment services; fraud reimbursement services in the field of purchases by payment cards; Processing of credit card payments via near field communication (NFC) technology-enabled devices; processing of loyalty card transaction; payment orchestration services; fast checkout services; Payment processing services, namely, processing payment transactions associated with beneficial interests in digital currencies for others via a global computer network; financial exchange services, namely, providing financial exchange for trading beneficial interests in virtual currencies; financial services, namely, providing electronic transfer of beneficial interests in a virtual currency for use by members of an on-line community via a global computer network; issuing prepaid debit cards; processing electronic payments made through prepaid cards; Banking and financial services; financial fund exchange; bill payment services; financing and loan services; currency exchange services; cryptocurrency exchange services; clearing-house services; credit card, debit card, and pre-paid charge card services; stored-value account processing, namely, providing consumers with an e-wallet account for use in making secure online payments to merchants; clearing-house services; credit card, debit card, and pre-paid charge card services; sale of credit codes, electronic money and vouchers via the internet; purchaser identity and transaction verification for e-commerce transactions; issuance of electronic money, credit cards, lines of credit, and tokens and vouchers of cash value for purchases at conventional and online merchants; virtual prepaid debit card services having a one-use-only payment card number, for use in purchasing goods and services on-line, by mail, and by telephone, all funds used in such purchases being debited from the user's electronic money account; processing payments made by consumers to merchants through multiple channels including payments made on-line, via call centers and via automated telephone; financial services, namely, providing a retail trading platform for the selling and purchasing of virtual currency in exchange for fiat currency; debt collection services; debt purchasing services, namely, purchasing future accounts receivable of others; investment services; consulting service in the field of electronic processing of financial fund exchange, financial transaction, currency exchange and trading, bill payment, debt collection, debt transaction, and investment; providing financial information; merchant cash advance; small business lending/financing; providing working capital; account receivables financing; commercial lending services; and financial information provided by electronic means in the field of finance; Merchant cash advance; small business commercial financing; providing working capital; account receivables financing; banking and financing services; financing services; debt collection services; debt purchasing services, namely, purchasing future accounts receivables of others; and financial information provided by electronic means in the field of finance; Credit card transaction processing services; Merchant banking services; Merchant services, namely, payment transaction processing services; Money transfer; Processing of credit card payments; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Electronic funds transfer; electronic payment, namely, electronic processing and transmission of bill payment data.

Deployment, installation and maintenance of payment terminals; deployment, installation, maintenance and repair of electronic payment software and payment terminals software; Technical support services; Installation of computer systems; installation and repair of computer systems; installation and repair of payment systems; Installation, repair and maintenance of computers and computer peripherals; Installation of payment systems; Installation and repair of telecommunications hardware; Installation and repair of data processing hardware; installation of telecommunications systems; configuration of computer systems; configuration of payment systems; configuration of telecommunications hardware; configuration of data processing hardware.

Communication by electronic computer terminals; Providing online forums; Online communications services; Telecommunications services; Data transfer; Data streaming; electronic data interchange services; Data bank interconnection services; providing user access to portals on the Internet; provision of access to content, websites and portals; invoice transfer services; hosted interactive voice response services.

Arranging the shipping of goods; arranging the delivery of goods; transportation information; advisory services relating to the transportation of goods; provision of data relating to methods of transport; fast checkout services; warehousing information; transport information service; information services relating to storage; transportation logistics; arranging of transport; arranging the collection of packages.

Educational services, namely providing training services related to the implementation, integration, operation, customization and administration of electronic payment software and payment terminals; Educational services in the field of e-commerce and point of sale payment solutions; training services in the field of e-commerce and point of sale payment solutions; arranging and conducting conferences and seminars in the field of e-commerce and point of sale payment solutions; educational certification services, namely providing training and educational examination in the field of e-commerce and point of sale payment solutions.

Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; authentication of payment transactions; providing online non-downloadable computer software for managing and verifying digital cryptocurrency payment transactions using blockchain technology; providing online non-downloadable software for management of digital payment transactions; providing temporary use of non-downloadable web-based application software for communication between computers processes for processing of direct payments for merchants; providing temporary use of non-downloadable web-based applications software for communication between microcomputers that authorizes the direct payments for merchants; providing temporary use of on-line non-downloadable software for processing electronic payments; providing temporary use of online non-downloadable software for credit card payment processing; software as a service (saas) provider in the field of electronic billing payments; software as a service (saas) provider in the field of payment processing services; software as a service (SAAS) services featuring software for payment processing; Providing on-line non-downloadable software for transmitting, retrieving and distributing customer payment data for use in the field of electronic commerce; providing on-line non-downloadable software for facilitating the transfer of customer payment data files via global computer information network for use in the field of electronic commerce; providing on-line non-downloadable software for managing, transmitting, retrieving, distributing and facilitating payments from business to business, from business to customer and from customer to business, namely, electronic funds transfers, electronic check, credit card, debit card, payment card and other electronic payments in the field of electronic commerce; providing on-line non-downloadable information system software, namely, software for facilitating the transfer of bill payment data, for use in the field of electronic commerce; Data protection services for third party credit card transactions in the nature of on-line security services, namely, providing security and anonymity for electronically transmitted credit card transactions; consulting services in the field of fraud protection in the field of on-line payment and billing services; providing temporary use of non-downloadable computer software to retail merchants for processing credit card transactions; data encryption services; electronic storage of customer data; developing and hosting a server on a global computer network for the purpose of facilitating e-commerce via such a server; application service provider featuring application programming interface (API) software for electronic payment processing, payment card industry (PCI) data security compliance, and security and storage of customer data; providing a secure electronic online system featuring technology which allows vendors to submit electronic invoices to customers for importing and processing of electronic invoices; providing temporary use of non-downloadable computer software for preparing invoices over computer networks, intranets and the internet; providing temporary use of online non-downloadable computer programs for use in the tokenization of confidential financial and personal data for long-term data storage, data transmission and recall, and for use in integrated payment processing including credit card, debit card and gift card transaction processing and payment; virtual terminal for the creation of electronic check transactions, namely, providing temporary use of online, non-downloadable software that presents an on-screen representation of a terminal for initiating payments by electronic check; virtual terminal for the creation of credit card transactions, namely, providing temporary use of online, non-downloadable software that presents an on-screen representation of a terminal for initiating credit card transactions; Design and development of computer software for electronic payments, namely, countertop and wireless payment terminal, virtual terminal, global acquiring network, mobile application, online payments and mail and telephone orders; technical support in the nature of troubleshooting of computer software problems; technical support in the nature of technical advice related to the installation of point-of-sale terminals and card readers; provision of software support services to owners and providers of payment processing terminals in the nature of technical support namely technical support in the nature of troubleshooting to diagnose software problems; hosting a website enabling clients to view financial transactions and financial account information; Technical support services relating to computer software and applications; Technical support services relating to payment terminals; Technical support services relating to computer hardware and applications; Technical support services relating to telecommunications equipment; Platform-as-a-Service (Paas); Computer software development; development and design of mobile applications; design and development of software in the field of mobile applications; Computer software design services; Computer software installation; computer software configuration; computer programming; Computer software maintenance; Updating of computer software; Computer software technical support services. Blockchain as a Service [BaaS]; maintaining databases; data encryption and decoding services; computerized data storage; data warehousing; data recovery services; data security services; data migration services; database development services; hosting databases; data storage via blockchain; data authentication via blockchain; certification of data via blockchain; authentication services (control) of data transmitted via telecommunications; user authentication services for electronic commerce; Software-as-a-Service (SaaS); Infrastructure-as-a-Service (IaaS); software research; development for others of blockchain systems and services; operation for others of blockchain systems and services; provision of technical support for blockchain systems and services; certification [quality control]; Electronic monitoring of payment transactions to detect fraud via the Internet; Technical research; Preparation of technical reports; Technological research; Preparation of technological reports; digital asset management; Electronic monitoring of financial transaction activity to detect fraud via the internet; computer integration services; computer software integration; integration of computer systems and networks; Payment-as-a-Service (PaaS); computer testing; software testing; financial transaction testing services; Testing, analysis and evaluation of the computer systems and computer software of others for the purpose of certification; technical testing services; administration of payment terminals; artificial intelligence consultancy; platforms for artificial intelligence as a software-as-a-service [SaaS]; providing temporary use of an online non-downloadable computer software for use as an electronic wallet; providing a website featuring technology that enables users to generate printable cryptocurrency wallets; electronic storage of cryptocurrency for others; application service provider featuring application programming interface (API) software; consultancy and information services relating to computer system integration; computer systems integration services; computer software advisory services; advisory services relating to computer systems design; hosting of websites; hosting web portals; hosting mobile websites and applications; hosting of platforms on the Internet; hosting of portals on the Internet; Software as a service [SaaS] featuring computer software platforms for artificial intelligence; artificial intelligence as a service [AIaaS]; Providing temporary use of non-downloadable computer software for preparing shipping documents over computer networks, intranets and the internet.

Providing information and analysis by electronic means in connection with fraud; computerized security services, namely, electronically monitoring, detecting and reporting on suspicious and abnormal patterns of point of sale activity indicating theft, fraud, or other criminal activity; providing user authentication services in e-commerce transactions; Identity verification; identity validation services; dispute resolution services; alternative dispute resolution.

Scientific and technological services and related research and design services; industrial analysis, industrial research and industrial design services; quality control and authentication services; hardware and software design and development; research and development in the field of application programming interfaces for payments; electronic monitoring of credit card transactions for Internet fraud detection; provision of online commerce platform for payment management; hosting, facilitation and provision of computer software platforms for sending and receiving money; provision of non-downloadable online software; platform as a service [PaaS]; hosting and provision of electronic platforms for data sharing and transmission.

Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; software as a service (saas) provider in the field of payment processing services; software as a Service (SAAS) services featuring software for billing and invoicing; software as a Service (SAAS) services featuring software for financial management