Telecommunications and data networking hardware, namely, devices for transporting and aggregating voice, data, and video communications across multiple network infrastructures and communications protocols; computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; downloadable software for storing and managing electronic data, editing digital photos and for authorising access to databases; downloadable computer software for administration of computer local area networks; downloadable computer software for creating searchable databases of information and data; downloadable computer application software for mobile phones, namely, software for use in database management, use in electronic storage of data; downloadable computer software for encryption; downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; downloadable computer communications software to allow customers to access bank account information and transact bank business

Insurance services, namely, underwriting, issuance and administration of life, health, accident, fire insurance; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; financial management; financial sponsorship; financial affairs and monetary affairs, namely, financial information, management and analysis services; financial management of reimbursement payments for others; providing information in the field of real estate; real estate financing services; international collections finance, open account finance and supply chain finance, namely, the settling of international and commercial transactions through obtaining the proceeds of a sale in cash or in exchange for formal debt instructions; banking services; electronic banking via a global computer network (Internet banking); currency exchange services; currency trading; financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; capital investment services; merchant banking services; online banking; electronic banking via a global computer network; ATM banking services; electronic funds transfer; electronic debit card transaction processing; issuance of travelers' checks; issuance of tokens of value; payment processing services, namely, credit card and debit card transaction processing services; clearing and reconciling financial transactions via a global computer network; securities brokerage; insurance consultation; providing financial information via a web site

Computer programming and computer system analysis; installation of computer software; recovery of computer data; computer services, namely, monitoring, testing, analyzing, and reporting on the Internet traffic control and content control of the web sites of others; data encryption and decoding services; duplication of computer programs; hosting Internet sites for others; design and development of electronic data security systems; computer security services, namely, enforcing, restricting and controlling access privileges of users of computing resources for cloud, mobile or network resources based on assigned credentials; electronic data storage; technical writing; telecommunications technology consultancy; information technology (IT) consulting services; consulting services in the field of cloud computing

Providing user authentication services using biometric hardware and software technology for e-commerce transactions