Computer software and associated user manuals for financial transaction processing, debit card processing, telecommunication transaction processing; computer software and associated user manuals for credit card processing; computer software for payment instrument processing; computer hardware and software for payment management, debit collection management, electronic commerce and information management designed to allow consumers to pay for goods and services by credit, debit or at the point of sale, over a global computer network by cheque and associated user manuals; software and associated user manuals for use in analyzing credit card expenditures and generating reports relating thereto; software and associated user manuals for use in connection with issuing credit, debit, and other cards and digitally capturing photos and other images to be placed on the cards; computer program and associated user manuals for separating a card issuer's portfolio of customers into classes of cardholders that share common behavioural characteristics; combination terminal, printer, and peripherals for use in the approval and processing of credit and debit card payments; computer software, hardware, terminals, printers, check readers, PIN pads, chip card readers, and peripherals for use in connection with cheque, credit card, and debit card, transaction authorizations and payment processing services.

Data processing and billing and payment services in the fields of credit and debit cards, telephone orders; bill payment services, allowing customers to pay for goods and services by credit or debit at the point of sale, over a global computer network, or by cheque; computerized order and data processing in the fields of business sales and inventory; advertising services, namely, selective insertion of promotional and informational materials into mailings directed to credit card holders; data processing services in the field of cheque, credit card, and debit card, transactions and payments; settlement services for financial transactions made via a global computer network or other electronic means; fraud management services with respect to financial, credit and debit card services; issuing credit card and digitally capturing photos and other images to be placed on the cards; fraud detection services; providing telephone access to database information and live operators in the field of banking and financial services; account management, collection, remittance and retention services for credit and debit card issuers; settlement services for financial transactions made by cheque, credit card, and debit card; cheque, credit card, and debit card authorizations; transaction capture, transaction settlement, chargeback handling, transaction reconciliation and transaction reporting; cheque, credit card, and debit card payments; automated credit card application fraud detection services; computer services, namely, providing interactive databases in the field of credit card issuance; providing access to a computer database containing a wide range of information relevant to credit card issuers; credit card fraud prevention services; computer voice and audio programming services; computer disaster recovery planning for financial institutions in the event of natural disasters, power outages, equipment failures and other business interruptions.

Advertising, namely creating, dissemination and placing of advertisements as well as rental of advertising space; preparing audio-visual presentations for the use in advertising; electronic bill board advertising; direct mail advertising; cooperative advertising; dissemination of advertising via an online-electronic communications network; advertising services for third parties in the area of certification for materials, substances, products, for production facilities, tested services, processes, documentation and/or information documents in the fields of security technology and technology for industry, trade, agriculture, household and leisure, transport, environmental protection, power engineering and heating technology, psychometry and psychopathometry and technology, the whole via audio-, visual- and electronic means; business management; business administration; management consulting; administration of business interests of third parties (control and monitoring); procurement services, namely of test data for services, substances, materials, products, documentation and/or information documents, about manufacturing and processing companies, about manufacturing and processing methods; provision of certification data by using a certification and information portal in electronic media, especially via the internet; compilation of data, especially certification and business data in computer databases; telecommunication for third parties via e-mail, internet, facsimile local, long distance and international telephone services, electronic mail services, instant messaging services and text messaging services, transmission of files by electronic means, pagers, cellular phones, telephone calling card, local, long distance and international audio and video teleconferencing in the area of certification for materials, substances, products, tested services, production facilities, processes, documentation and/or information documents in the field of technology and in the field of psychometry and psychopathometry, in the fields of security technology and technology for industry, trade, agriculture, household and leisure, transport, environmental protection, power engineering and heating technology; provision, operating and administration of an internet market place, in the area of certification; data processing services; data transfer and physical conversion from one form of media to another (document); creating of consulting services via the internet in the area of certification and management consulting; collation, delivery, provision and transfer of information, texts, drawings and images, also in the form of file centres, namely in the area of certification, of test data for services, substances, materials, products, documentation and/or information documents, for manufacturing and processing companies, for manufacturing and processing methods, namely via the internet; provision and operation of a national and/or international computer network in the area of certification; consulting, training, examining, checking and developing in the field of technology as well as in the field of psychometry and psychopathometry, especially security technology and technology for industry, trade, agriculture, household and leisure, transport, environmental protection, power engineering and heating technology; services of a personnel trainer; publication and issue of books, newspapers and magazines, especially via electronic media; education and training consulting, namely computer education training; organisation and implementation of seminars, workshops, colloquiums, correspondence courses, exhibitions for cultural purposes and symposiums in the field of technology, namely security technology and technology for industry, trade, agricultural, household and leisure, transport, environmental protection, power engineering and heating technology as well as in the field of psychometry and phychopathometry; providing of training, namely the implementation of training courses and assessment centres for training, information and exchange, in the field of technology, namely, security technology and technology for industry, trade, agriculture, household and leisure, transport, environmental protection, power engineering, heating technology, psychometry and psychopathometry and in the field of certification; scientific and industrial research; industrial analysis and research services; design and development of computer hardware and software; legal services and legal representation; procuration and grant of licenses and technical know-how; rental of database access; preparation of technical reports; technical consulting, especially for scientific and industrial research; services provided by a mechanical engineer, physicist, chemist, personnel trainer, sport scientist, industrial safety expert; design and construction advice with respect to products, industrial plants, buildings, manufacturing and processing methods, substances, materials and in the field of security technology for industry, trade, agriculture, household and leisure, transport, environmental protection, power engineering and heating technology; testing and evaluation of products and/or services with regard to future potential applications and uses; services in the area of data processing collection of data for data processing; updating of computer software; non-business professional consultancy in the field of certification; provision of an information portal on the internet, namely in the field of certification; provision, operating, administration and permanent updating of data bases, especially in the field of certification; data base services, namely rental of database access, as well as the collation, delivery, provision and transmission of data, news, information, texts, drawings and images; creating and hosting internet websites; research in the field of technology and the field of psychometry and psychopathometry, especially in the fields of security technology and technology for industry, trade, agriculture, household and leisure, transport, environmental protection, power engineering and heating technology; granting of certificates and/or certification marks for tested services, materials, substances, products, for production facilities, processes, documentation and/or information documents; testing of product models, equipment and apparatus concerning the compliance with the basic demands of existing rules; veterinary services; services provided by a physician, psychologist, physiotherapist, psychotherapist, all aforementioned services, especially with respect to occupational medicine.