Computer hardware and software, recorded or downloadable, for facilitating and administering online payment transactions, banking, credit card transactions, debit card payments, automatic teller machine transactions, encoded prepaid payment card payment transactions, electronic funds transfer, processing electronic payment transactions, electronic processing and transmission of bill payment data, electronic cash transactions, transaction authentication, payment routing, detecting and monitoring fraud and encryption services, and parts and fittings for all the aforesaid goods; apparatus for the recording, transmission and reproduction of data including sound and images, namely, downloadable and recorded computer software for use in recording, transmitting, and reproducing image files and audio files, and parts and fittings for all the aforesaid goods; apparatus for tracking, management and analysis of financial accounts via a global computer network, namely, computer software for accessing financial accounts on the internet, and parts and fittings for all the aforesaid goods; computer hardware and software, namely, for the development, maintenance and use of local and wide area computer networks, and parts and fittings for all the aforesaid goods; systems for reading memory cards, namely, card reading equipment, and systems, namely, electronic machines for reading integrated circuit cards and encoded bank cards, and parts and fittings for all the aforesaid goods; magnetic encoders and magnetic decoders, and parts and fittings for all the aforesaid goods; computer hardware and software for facilitating payment transactions by electronic means over wireless networks, global computer networks and mobile telecommunications devices, namely, computer software to allow users to perform online payment transactions, and parts and fittings for all the aforesaid goods; computer software and hardware that facilitates the identification and authentication of near field communication (NFC) technology-enabled readers, near field communication (NFC) tags, near field communication (NFC) antennas, and radio frequency identification (RFID) tags, radio frequency identification (RFID) readers, radio frequency identification (RFID) stickers, and parts and fittings for all the aforesaid goods parts; 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, and parts and fittings for all the aforesaid goods; downloadable computer programs and application software for mobile phones and digital tablets comprising a digital wallet that allow users to access price-comparison information, product reviews, links to the retail websites of others, and discount information, and parts and fittings for all the aforesaid goods; 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, and parts and fittings for all the aforesaid goods; software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers delivered through contactless radio frequency identification (RFID) and near field communication (NFC) systems, and parts and fittings for all the aforesaid goods; 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 through contactless radio frequency identification (RFID) and near field communication (NFC) systems, and parts and fittings for all the aforesaid goods; integrated circuit chips for use in mobile phones and near field communication (NFC) -enabled and radio frequency identification (RFID) -enabled devices, namely, tablet computers, and parts and fittings for all the aforesaid goods; prepaid payment cards encoded with security features for authentication purposes, and parts and fittings for all the aforesaid goods; payment cards encoded with security features for authentication purposes, and parts and fittings for all the aforesaid goods; reward cards encoded with security features for authentication purposes, and parts and fittings for all the aforesaid goods; identification smart cards encoded with security features for authentication purposes, and parts and fittings for all the aforesaid goods; credit cards encoded with security features for authentication purposes, and parts and fittings for all the aforesaid goods; debit cards encoded with security features for authentication purposes, and parts and fittings for all the aforesaid goods; bank cards encoded with security features for authentication purposes, and parts and fittings for all the aforesaid goods; prepaid payment cards encoded with security features for identification purposes, and parts and fittings for all the aforesaid goods; payment cards encoded with security features for identification purposes, and parts and fittings for all the aforesaid goods; reward cards encoded with security features for identification purposes, and parts and fittings for all the aforesaid goods; identification smart cards encoded with security features for identification purposes, and parts and fittings for all the aforesaid goods; credit cards encoded with security features for identification purposes, and parts and fittings for all the aforesaid goods; debit cards encoded with security features for identification purposes, and parts and fittings for all the aforesaid goods; bank cards encoded with security features for identification purposes, and parts and fittings for all the aforesaid goods; chip cards, prepaid payment cards, electronic data carrier cards, namely, identification cards with embedded chips, and parts and fittings for all the aforesaid goods; electronic encryption units, and parts and fittings for all the aforesaid goods; encoded credit cards, encoded debit cards, and parts and fittings for all the aforesaid goods; computer chips embedded in telephones and other communication devices, and parts and fittings for all the aforesaid goods; cash dispensing machines, and parts and fittings for all the aforesaid goods; computer peripheral devices and electronic goods, namely, calculating machines, electronic organizers, electronic notepads, pocket planners, mobile telephones, mobile telephone handsets, tablet computers, secure digital [SD] card readers and personal digital assistants (PDAs) and personal alarms, and parts and fittings for all the aforesaid goods; mouse pads, and parts and fittings for all the aforesaid goods.

Financial services, namely credit card services, debit card services, charge card services, pre-paid credit card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services, check cashing, deposit access and automated teller machine services, and information, advisory and consultancy services relating to all the aforesaid services; transaction reconciliation, cash management, credit consolidation services, financial information with respect to data repository and client profile information services, and related switching, gateway and funds movement services in the field of payment cards, electronic payment processing services, credit card transaction authentication and verification services, and information, advisory and consultancy services relating to all the aforesaid services; financial clearing, and debt settlement services, and information, advisory and consultancy services relating to all the aforesaid services; payment processing services, namely, charge card and credit card payment processing services, processing electronic payments made through prepaid cards, processing of electronic check payments, reimbursement payment processing, and information, advisory and consultancy services relating to all the aforesaid services; electronic processing of payments via a global computer network, and information, advisory and consultancy services relating to all the aforesaid services; payment verification services, and information, advisory and consultancy services relating to all the aforesaid services; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, namely, digital currency exchange and transaction services for transferable electronic cash equivalent units having a specified cash value, conducted over public computer networks to facilitate electronic commerce, providing financial information, namely credit and debit card data and reports and electronic funds transfer, financial assessment and risk management services for others in the field of consumer credit, and information, advisory and consultancy services relating to all the aforesaid services; providing financial management information, financial planning information, financial investment information via a global computer network, and advisory services namely financial planning and investment advisory services, financial analysis consultation services, and information, advisory and consultancy services relating to all the aforesaid services; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, credit card, debit card, and gift card payment services through wireless devices, namely, tablet computers, mobile phones, smart phones, and information, advisory and consultancy services relating to all the aforesaid services; the provision of financial services for the support of retail services provided on-line, through electronic networks, using electronically digitized information, namely, payment services through wireless devices, namely, tablet computers, mobile phones, smart phones, and information, advisory and consultancy services relating to all the aforesaid services; processing of financial payment transactions both on-line via a computer database, over the telephone, through wireless devices, namely mobile phones and at point of sale, and information, advisory and consultancy services relating to all the aforesaid services; processing services for financial transactions by card holders via automatic teller machines, and information, advisory and consultancy services relating to all the aforesaid services; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines, and information, advisory and consultancy services relating to all the aforesaid services; credit card transaction authentication services, namely, provision of services relating to the authentication of cardholders, merchants and financial institutions for payment card transactions, and information, advisory and consultancy services relating to all the aforesaid services; verification of financial information, namely, providing financial institution account information by telephone and online, and information, advisory and consultancy services relating to all the aforesaid services; remote payment services, namely, electronic remote check deposit services, and information, advisory and consultancy services relating to all the aforesaid services; provision of debit and credit services by means of radio frequency identification devices (transponders), and information, advisory and consultancy services relating to all the aforesaid services; provision of debit and credit services by means of communication and telecommunication devices, and information, advisory and consultancy services relating to all the aforesaid services; processing of credit and debit transactions by telephone and telecommunication link, and information, advisory and consultancy services relating to all the aforesaid services; the provision of financial services for the support of retail services provided on-line, through networks and other electronic means using electronically digitized information, namely, payment services through wireless devices, namely, tablet computers, mobile phones, smart phones, and information, advisory and consultancy services relating to all the aforesaid services; value exchange services, namely, secure electronic cash transactions over computer networks accessible by means of smartcards, and information, advisory and consultancy services relating to all the aforesaid services; bill payment services provided through a website, and information, advisory and consultancy services relating to all the aforesaid services; on-line banking, and information, advisory and consultancy services relating to all the aforesaid services; financial management services provided over the telephone and by means of a global computer network or the Internet, and information, advisory and consultancy services relating to all the aforesaid services; financial services, namely, the provision of contactless mobile payments through merchants at retail, online and wholesale locations, and information, advisory and consultancy services relating to all the aforesaid services; 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, and information, advisory and consultancy services relating to all the aforesaid services; consulting services regarding payment solutions, banking, credit card transactions, debit card transactions and payment card transactions, and information, advisory and consultancy services relating to all the aforesaid services.