Computer programs for processing of financial payments involving enabling card verification and authorisation, fraud checking, and secure transfer of money for merchant accounts; computer hardware and software comprising a digital wallet that stores customer account information; apparatus, namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for payment with magnetically encoded cards being credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details ; apparatus, namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for payment with magnetic memory cards being credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details; automatic payment machines; cards for cashless payment systems namely credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details; magnetic payment cards namely credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details; payment cards being magnetically encoded namely credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details; read out apparatus namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals for use in the authentication of cashless payment means; read out apparatus namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals for use in the identification of cashless payment means; tariff devices for recording payment namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals; terminals namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for electronically processing credit card payments and for the electronic payment of charges with credit cards; computers for the processing and analysis of payment transaction data ; automatic vending machines and mechanisms for coin-operated apparatus; cash registers, computer for micro-programming, software for analysis of payment transaction data; software for the provision of electronic wallets; software for the provision of digital wallets; software for processing electronic payments; software for processing online funds transfers; software for processing payments by enabling payment card verification and authorisation; software for identification verification, identity theft prevention and fraud prevention in relation to payment processing; software for the secure transfer of money; software for fraud screening in relation to electronic payment processing; software for secure capturing of cardholder data in relation to electronic payment processing; software for secure handling of financial transaction data; software for the collection, storage, processing and transmitting of payment transaction data; electronic apparatus and equipment for remote connection to a computer network and telecommunications, data processing equipment and computers namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for use in processing financial transactions; electronic data carrier cards namely charge cards, prepaid cash cards, credit cards, debit cards, gift voucher cards; encoded magnetic card readers, electronic data carrier card readers namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals for reading, authenticating and verifying credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards and microchips containing account details and for processing financial payments electronically from the said cards, electronic data encryption units for the purposes of secure transfer of electronic funds and for the prevention of fraudulent payment transactions; computer hardware, computer terminals, computer peripheral devices namely electronic chargers for use with PED (pin entry device) and POS (point of sale) terminals and card readers; electronic apparatus namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pinentry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for use in processing financial transactions; computer software relating to the handling of financial transactions namely payments by charge cards, credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards and microchips containing account details ; computer software applications for enabling payment card verification and authorisation, identification verification, identity theft prevention and fraud prevention, fraud checking; computer software applications for the secure transfer of funds; computer software applications for processing electronic payment transactions; computer software applications for the analysis of payment transaction data; electronic verification apparatus namely web-enabled, wired, wireless and handheld payment card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for verifying authenticity of credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards and microchips containing account details ; parts and fittings for the aforesaid goods; electronic publications relating to analysis of payment transaction data; downloadable data namely downloadable publications and software for the analysis of payment transactions; electronic publications relating to research on financial issues and research into payment transaction data and white papers relating to research and analysis of financial transactions trends; Cheque books; newsletters, magazines, pamphlets, leaflets, newspapers and periodicals, in the field of financial services namely services relating to the secure transfer of electronic funds, money exchange services, currency conversion services, exchange of data between financial institutions and their customers, analysis of payment transaction data, research on financial issues and research into payment transaction data and white papers relating to research and analysis of financial transactions trends; printed service guides and services brochures for financial services; printed forms and statements for financial services namely services relating to the secure transfer of electronic funds, money exchange services, currency conversion services, multi-currency exchange and settlement services, exchange of data between financial institutions and their customers, analysis of payment transaction data, research on financial issues and research into payment transaction data, analysis and consultation in relation to exchange of data between financial institutions and their customers, research and analysis of financial transactions trends ; printed plastic cards (other than encoded or magnetic) being credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards; plastic covered cards bearing printed matter being credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards; money orders, money drafts, cheques, cheque books, travellers' cheques; document wallets; vouchers of value, coupons; catalogues.

Advertising services for the benefit of third parties and Promotional services offered through loyalty point programs, coupons; compilation of payment transaction data relating to goods for purchase; bookkeeping and accounting services; tax and taxation assessments and advice; preparation and compilation of income and corporate tax returns data processing services; information, advisory and consultancy services relating to data processing; user incentive schemes relating to use of credit cards, store cards, charge cards, cash cards, debit cards, payment cards; consumer loyalty, incentive and bonus programs for the promotion of wares and services relating to the use of credit cards, store cards, charge cards, prepaid cash cards, debit cards, payment cards; promoting the sale of wares and services through a consumer loyalty programme; information, advisory and consultancy services related to all the aforesaid services; Financial services namely the secure transfer of electronic funds, processing of electronic payment transactions, financial payment processing services, money exchange services, currency conversion services, multi-currency exchange and settlement services, secure exchange of electronic payment transaction data between financial institutions and their customers, financial analysis services; credit card, debit card, store card, bank card, charge card, gift voucher card, other payment card authorisation services; electronic funds transfer and payment services; processing of transactions made by credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; card to card transfer and payments; processing of credit and debit transactions by means of telephone and internet; issue and redemption of tokens, coupons and vouchers of value; currency exchange services; electronic wallet services (payment services) namely the processing of electronic funds payment transactions from electronic wallet accounts; E-wallet account services, namely the provision of online electronic money accounts (e-wallet accounts) and services for consumers and online merchants whereby consumers fund their e-wallet accounts and consumers and online merchants (businesses) send and receive payments and remittances over the Internet; point of sale payment services; mail payment services; telephone payment services; recurring payment services; merchant account services namely services relating to processing of financial payments made by credit cards, debit cards, charge cards, gift voucher cards, store cards, payment cards and other cards containing microchips with account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening, identification verification, identity theft prevention and fraud prevention; merchant account services namely secure handling of online financial transaction data; merchant account services for secure transfer of money between merchant accounts, their customers and banks; merchant account services namely analysis of financial transaction data for merchants; financial risk management; insurance; identity theft and fraud prevention services relating to processing of financial payments made by prepaid cash cards , credit cards, debit cards, charge cards, gift voucher cards, store cards, stored value payment cards and other cards containing microchips with bank account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening; financial risk management; financial services being financial analysis and consultation, in relation to payment transaction data and exchange of financial data between financial institutions and their customers, financial services relating to analysis of payment transaction data; monetary affairs services being cross border multi-currency exchange services; information, advisory and consultancy services related to all the aforesaid services; Installation, maintenance, repair and updating of electronic data capture and transmission systems for the purposes of electronic funds transfer; installation, maintenance, repair, updating of card readers and electronic apparatus namely POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software all for handling financial and associated transactions -namely authorisation and processing of payments made with credit cards, debit cards, store cards, prepaid cash cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; installation, maintenance, repair and updating of electronic apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for retrieving information stored on credit cards, debit cards, store cards, prepaid cash cards , charge cards, gift voucher cards, other payment cards and microchips containing account details; installation, maintenance, repair and updating of electronic verification apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for verifying authenticity of credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; information, advisory and consultancy services related to all the aforesaid services; Advisory and consultancy services, all relating to electronic data capture and transmission systems for the purposes of electronic funds transfer from points of sale; receipt and delivery of messages, documents and other data by electronic transmission namely by means of telephone and internet; receipt and delivery of messages, documents and payment transaction data via the Internet; provision of electronic communication links namely wired and wireless internet and telephonic links for the purposes of secure electronic funds transfers and payment transactions; dissemination by email of vouchers, voucher codes, gift codes, claim codes, discount offers, promotional offers, coupons and printable vouchers enabling customers to conveniently view and redeem tokens of value by means of the Internet; providing access to computer servers, databases and networks; providing access to the Internet; providing multiple user access to a global computer network; and access to the Internet; telecommunication gateway services; services of geo-location and tracking of financial transactions and transmitting transaction specific location data over the internet; leasing of access time to databases containing financial transaction data; information, advisory and consultancy services related to all the aforesaid services; Updating software of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of card readers and electronic apparatus namely POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software all for handling financial and associated transactions namely authorisation and processing of payments made with credit cards, debit cards, store cards, prepaid cash cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring of electronic apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for retrieving information stored on credit cards, debit cards, store cards, prepaid cash cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring updating of electronic verification apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for verifying authenticity of credit cards, debit cards, store cards, prepaid cash cards charge cards, gift voucher cards, other payment cards and microchips containing account details; design and development of computer hardware and software; computer software and programming services; providing temporary use of non-downloadable computer software for preparing invoices and for tracking packages over computer networks, intranets and the internet; providing temporary use of non-downloadable computer software broadcasting geographical data received using a global positioning system; financial analysis namely computerised analysis of financial transaction data; application service provider (ASP) services featuring mobile phone and wireless handheld computer applications software for use in enabling users to make electronic payments and to receive, redeem, and manage electronic receipts and electronic coupons; lease, hire and rental of computer equipment, hardware, software and programs; electronic data encryption services; electronic signature verification and authorisation services; digital signature verification and authorisation services; information, advisory and consultancy services related to all the aforesaid services; Identity theft and fraud prevention services; information, advisory and consultancy services related to all the aforesaid services.

Credit card authorization services, electronic funds transfer and payment services, currency exchange services.