Business management consulting and advisory services; computer database management services, namely, managing databases featuring client information for others; business marketing consulting services; market research services; business information services, namely, tracking, analyzing, forecasting and reporting cardholder purchase behavior; promoting the sale of the goods and services of others by means of rewards and incentives generated in connection with the use of credit, debit and payment cards through means of global communications networks, the Internet and wireless computer networks, mobile telephones, tablet computers, laptop computers, smart watches and personal digital assistants and global computer network; administration of loyalty and rewards programs through means of global communications networks, the Internet and wireless computer networks, mobile telephones, tablet computers, laptop computers, smart watches and personal digital assistants and global computer network which provide access to coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty and monetary rewards that can be credited to their accounts via a cash-back system; advertising for others through means of global communications networks, the Internet and wireless computer networks, mobile telephones, tablet computers, laptop computers, smart watches and personal digital assistants and a global computer network; business administration consultancy; business appraisals; advisory services for business management; conducting marketing studies; statistical analysis and reporting services for business purposes; bookkeeping, namely, preparation of statements of accounts, and providing transaction receipts and account balances; conducting business and market research surveys for others; public relations; publication of publicity texts; distribution and dissemination of publicity leaflets for advertising purposes for others; computer database management; analysis of market research data and statistics, business management services relating to information and data compiling and analyzing, and updating and maintenance of data in computer databases; promoting the sale of credit card accounts through the administration of incentive award programs, namely by offering credit card holders access to music concerts and cultural events; advertising services, namely, promoting the services of others in the field of transport, travel, hotels, lodging, food and meals, sports, entertainment and sightseeing, for tourist agencies services through means of global communications networks, the Internet and wireless computer networks, mobile telephones, tablet computers, laptop computers, smart watches and personal digital assistants and global computer network; consulting services for managing computer databases of client profile information of others; providing an online and mobile telephone directory of information regarding merchants who accept contactless mobile payments and promote goods and services through this channel.

Computer hardware and downloadable computer software for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization and settlement services, fraud detection and control, disaster recovery and encryption services; telecommunication and electrical apparatus and instruments, namely, apparatus for the recording, transmission and reproduction of data including sound and images; accounting machines; apparatus for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software, namely, for the development, maintenance and use of local and wide area computer networks; systems for reading memory cards and systems for reading data in memories, namely, integrated circuit memories and banking card memories; downloadable electronic publications, namely, newsletters, magazines and books in the fields of payments, financial services, technology, philanthropy, entertainment, culture and global affairs; printing apparatus including printing apparatus for data processing systems and financial transaction systems, namely, thermal printers, printer cables; encoders and decoders; computer hardware and software for facilitating payment transactions by electronic means over wireless networks, global computer networks and/or mobile telecommunications devices; computer hardware and encryption software, computer software for creating encryption keys, computer software for creating digital certificates, computer software for creating digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; computer software and hardware that facilitates the identification and authentication of near field communication (NFC) devices and radio frequency identification (RFID) devices; computer hardware and software comprising a digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts; downloadable computer programs and application software for mobile phones and other digital devices comprising a digital wallet that allow users to access price-comparison information, product reviews, links to the retail websites of others, and discount information; downloadable software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless mobile commerce transactions, contactless presentation of loyalty credentials, and contactless redemption of coupons, rebates, discounts, vouchers and special offers; downloadable software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers delivered by contactless RFID or NFC communications; downloadable software application that allows merchants to deploy smart posters in retail and wholesale in-store locations that consumers can tap with their mobile telecommunications devices to access coupons, rebates, discounts, vouchers and special offers delivered by contactless RFID or NFC communications; integrated circuit chips for use in mobile phones and NFC and RFID devices; magnetic encoded cards and cards containing an integrated circuit chip in the nature of smart cards all containing programming used to process payments; cards encoded with security features for authentication purposes; cards encoded with security features for identification purposes; charge cards, bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, payment cards and payment cards all encoded; banking cards, namely, magnetically encoded banking cards and banking cards using magnetic memories and integrated circuit memories; payment card readers; magnetic coded card readers; electronic data carrier card readers; electronic encryption units; computer software designed to enable smart cards to interact with terminals and readers; computer chips embedded in telephones and other communication devices; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices, namely, transponders; electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; cash dispensing machines; parts and fittings for all the aforesaid goods.

Financial services, namely, banking; Financial services, namely, transaction and payment processing services, payment verification services, payment card authorization, payment clearance and settlement services between financial institutions, switching services for credit cards, debit cards, charge cards and prepaid cards offered through cards with stored value; Financial services, namely, electronic credit and debit transactions processing, bill payment services, cash disbursement through the use of an automated teller machine, check verification, check cashing, deposit access and automated teller machine services; Financial services, namely, credit card, debit card, charge card and prepaid card transaction authorization and settlement services; Financial services, namely, transaction reconciliation, cash management, consolidated funds settlement, consolidated dispute processing; funds movement services in the field of payment cards, namely, electronic funds transfer; electronic payment processing services; payment transaction authentication and verification services, namely, providing secure personal and commercial transactions and payment options; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions over public computer networks to facilitate electronic commerce; providing financial information, namely, credit and debit card data and reports; electronic funds transfer and currency exchange services, financial assessment and risk management services for others in the field of consumer credit; dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, credit, debit, charge and prepaid card payment processing services through wireless devices; the provision of financial services for the support of retail services provided on-line, through electronic networks, namely, credit, debit, charge and prepaid card payment processing; financial analysis and consultation; banking and credit services; banking, payment verification, bill payment, payment processing of credit, debit, charge and prepaid cards; credit, debit, charge and prepaid card transaction processing services; cash disbursement via automated teller machines; stored valued deposit access services; cheque verification; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; ATM banking services, namely, processing services for financial transactions by card holders via automatic teller machines; ATM banking services, namely, the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; clearance and settlement of credit, debit, charge and prepaid cards; travel insurance services, namely, underwriting travel insurance; issuing and redemption of travelers cheques and travel vouchers; verification of financial information, namely, funds verification and payment verification; remote payment services, namely, providing electronic transmission of electronic transaction and payment data via a global computer network; stored value electronic purse services, namely, processing electronic payments made through prepaid cards, electronic payments processing services and transaction authorization and settlement services; provision of debit and credit processing services by means of radio frequency identification devices in the nature of transponders; provision of debit and credit processing services by means of communication and telecommunication devices; the provision of financial services for the support of retail services provided through mobile telecommunications means, including credit, debit, charge and prepaid card payment processing services through wireless devices; processing of credit, debit, charge and prepaid card transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitized information, namely, credit, debit, charge and prepaid card payment processing; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet, namely, electronic banking via a global computer network; financial services, namely, the provision of contactless mobile payments processing through merchants at retail, online and wholesale locations; financial services, namely, providing a cloud-based digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts via a cash-back system; consulting services regarding payment solutions, banking, credit card, debit card and payment card; information, advisory and consultancy services relating to all the aforesaid services.

Telecommunications services, namely, electronic transmission of data for payment services provided through wireless devices; mobile telecommunication services, namely, using electronically digitized information connected with the provision of credit cards and debit cards; electronic data transmission in the nature of machine readable code that is displayed on a mobile device display screen and transmitted over a global remote data processing network, via the Internet; telecommunications services for the transmission, provision or display of information from a computer-stored data bank or via the Internet in the field of financial services; transmission of data through the use of electronic image processing by mobile telephone link; electronic mail, message sending and receiving services; providing multi-user access to a secure computerized information network for the transfer and dissemination of a range of information in the field of financial services.

Design, development, maintenance and update of computer hardware and software; providing temporary use of non-downloadable software and applications for managing, locating, activating and revoking authentication and digital credentials of near field communication (NFC) devices; design, development, maintenance and update of application software for mobile digital devices; design and development of computer hardware; design, development, maintenance and update of downloadable computer programs and application software for mobile phones and other digital devices that allows users to access coupons, vouchers, voucher codes, rebates, price-comparison information, product reviews, links to the retail websites of others, and discount information; design, development, maintenance and update of downloadable computer programs and application software that allows users to access sales promotion offers and obtain monetary rewards that can be credited to their accounts via a cash-back system; computer software consulting services; computer hardware consulting services, namely, consultancy in the design and development of computer hardware; computer programming; technical support and consultation services for managing computer systems and software applications, namely, troubleshooting of problems; application software provider (ASP) featuring software for receiving, transmitting and displaying vouchers, coupons, voucher codes, special offers, reviews, product information, price comparison information, links to websites, and receiving and transmitting data for the purchase of goods and services; application service provider featuring software for providing consumers with information regarding discounts, vouchers and special offers for the goods and services of others; application service provider services featuring social networking software; graphic design for the compilation of web pages on the internet; providing information relating to the design and development of computer hardware and computer software provided on-line from a global computer network or the internet; creating and maintaining web-sites for others; hosting the web-sites of others; creation of web pages for others; the design, creation and hosting of merchant websites of others; creation of web pages for others; the design, creation and hosting of merchant websites for others; the designing, creation and hosting of bill payment websites for others; data retrieval performed by computer, namely, data recovery; data encryption and decryption of financial information; digital signature authentication services for authentication of others, namely, data encryption and electronic signature verification services using technology to authenticate user identity; data encryption for others, namely, providing encrypted and digitally signed and authenticated data; digital certificate verification, authentication, issuance, distribution and management; technical consultation services for computer programming, security of financial computer networks, security of data processing, secure communications, data encryption and decryption and local area network security in the field of digital certificate verification, authentication, issuance, distribution and management; providing information over a global computer network in the fields of design and development of computer software, computer hardware, financial computer networks and local area networks.