Computer hardware; computer hardware and software for facilitating payment transactions by electronic means; computer software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; blank magnetic data carriers; encoded electronic chip cards containing programming used to enable financial transactions, namely, bill payment; smart card readers; chip card readers; electronic equipment for point-of-sales (POS) systems, namely, point of sale transaction terminals; computer software to enable smart cards to interact with card readers and point of sale terminals; computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; telecommunications apparatus and devices, namely, telephones, mobile telephones; electronic apparatus and devices for processing, logging, storing, transmitting, retrieving and receiving data, namely, computers, data processors; integrated circuits; semiconductor chips

Financial services, namely, banking services; credit services, namely, credit card services, consumer lending services; electronic payment services, namely, payment services via wireless devices, namely, bill payment services, electronic processing and transmission of bill payments data; bill payment services; electronic fund and currency transfer services; financial transaction authorization and settlement services, namely, collection of money owed from settlements, debt settlement negotiation services, debt settlement services, debt resolution services in the nature of debt settlement and elimination and credit card authorization services; financial services provided via mobile telecommunication, namely, bill payment services, money transfer services, financial transaction authorization, namely, credit card authorization services; electronic payment services involving electronic processing and subsequent transmission of confidential financial bill payment data by telecommunications networks, wireless communication networks, the Internet, information services networks and data networks; electronic payment services involving electronic processing and subsequent transmission of confidential financial bill payment data from a computer-stored data bank via telecommunications networks enabling users to view and display that data on mobile telephones; providing multi-user access to a secure computerized information network containing a range of confidential information in the field of financial bill payment services; and providing information, advice and consultancy regarding the aforesaid services

Data communication services, namely, electronic and computer-aided transmission and reception of database information via the telecommunications network and providing information, advice and consultancy relating to the aforesaid services, all of the aforesaid services excluding television broadcasting services