Computer hardware and software in the nature of an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, personal digital assistants (PDAs), and web based environment, namely, for facilitating and administering payment, banking, credit card payment processing, debit card payment processing, payment card payment processing, automatic teller machine, stored value card payment processing, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, financial transaction routing, financial transaction authorization and settlement services, financial transaction reconciliation, cash management, consolidated settlement funding, consolidated dispute processing, data management repository and client profile information services, and facilitating related switching, gateway, settlement reconciliation, and funds movement services in the field of payment cards, for the analysis of data for fraud detection and control, disaster recovery and encryption services; computer software and hardware for the identification and authentication of near field communication (NFC) devices and radio frequency identification (RFID) devices; computer hardware and software for 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; blank magnetic data carriers; computer software for the registration, transmission and reproduction of data including sound and images; computer software for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software for the development, maintenance and use of local and wide area computer networks; computer systems consisting of integrated circuit card memories and electronic banking card memories for reading data in electronic memories; computer hardware and software for encoding using 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 for creation, control, storage and application of, encryption key cards, digital certificates, and digital signatures,; software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; downloadable computer programs and application software for mobile phones and other digital devices in the nature of mobile telephone handsets, tablet computers, digital readers and personal digital assistants (PDAs) that allow users to access coupons, vouchers, voucher codes, rebates, price-comparison information, product reviews, links to the retail websites of others, and discount information; 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; 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; 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 to access information and conduct electronic transactions; magnetic encoded credit cards, payment cards, stored value cards and cards containing an integrated circuit chip and smart cards to access information and conduct electronic transactions, purchases and payments for encoded identity cards for security purposes; electronically encoded smart cards containing programming used with security features for authentication purposes; electronically encoded smart cards containing programming used with security features for identification purposes; magnetically encoded cards, namely, charge cards, bank cards, credit cards, debit cards, stored value cards, payment cards; encoded electronic chip cards for identifying particular users of computers and mobile telephones; banking cards using magnetic memories and integrated circuit memories; electronic card readers for magnetically using magnetic memories and integrated circuit memories; electronic card readers for magnetically encoded cards; electronic encryption units, computer hardware, computer terminals, computer software for tracking, management and analysis of financial accounts via a global computer network for use in the financial services, banking and telecommunications industries; computer software for the registration and reproduction of data including sound and images for use in the financial services, banking and telecommunications industries; computer software designed to enable smart cards, mobile phones and mobile devices to interact with terminals and readers; downloadable software and software prerecorded on mobile devices that allows users to access coupons, rebates, discounts, vouchers and special offers online via websites, by scanning coupons, rebates, discounts, vouchers and special offers from printed materials and by tapping on mobile phones and other mobile devices for NFC- enabled print or posters and sending such coupons, discounts, rebates, vouchers and special offers to mobile phones and other mobile telecommunications devices for redemption at retail or wholesale locations or virtual points of sale; computer chips embedded in telephones and other communication devices; point of sale transaction terminals and computer software for transmitting, displaying and storing financial transactions, identifications and financial information for use in the financial services, banking and telecommunications sectors; transponders, namely, radio frequency identification devices; electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; cash withdrawal machines, namely, automated teller machines (ATM); computer peripheral devices and electronic goods, namely, mobile telephones, mobile telephone handsets, tablet computers, digital book readers and personal digital assistants (PDAs)

financial services, namely, banking, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit card transactions, bill payment services, cash disbursement, check verification, check cashing, deposit access and automated teller machine services, transaction authorization and settlement services, transaction reconciliation, cash management, consolidated funds settlement, consolidated credit dispute processing, data repository in the field of payment cards, electronic payment processing services, payment transaction verification services, value exchange services, namely, secure electronic cash transactions over public computer networks to facilitate electronic commerce, electronic funds transfer, 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, banking card, credit card, debit card, charge card, pre-paid card payment services through wireless devices; financial analysis and consultation services; financial affairs and monetary affairs, namely, financial information, management and analysis services; processing of financial payment transactions both on-line via a computer database or via telecommunications and at point of sale processing services for financial transaction by card holders via automatic teller machines; providing account balance details, deposits and withdrawals of money to card holders via automatic teller machines; financial settlement and financial authorization services in connection with the processing of financial payment transactions; travel insurance underwriting services; business credit verification of financial information; electronic processing of business-to-business payment transactions and associated remittance data; providing electronic bill payment services involving electronic processing and subsequent transmission of bill payment data to billers, customer service provider organizations and payment providers; providing secure electronic transfer of funds generated by remote banking, walk-in payment providers, balance transfer providers, and credit counseling payment providers; bill payment services via computer terminals connected to networks and the global computer network; remote bill payment services; stored value electronic purse services, namely, providing electronic funds and currency transfer services, electronic bill payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorization and settlement services; provision of debit and credit card services by means of radio frequency identification devices such as transponders; provision of debit and credit card services by means of communication and telecommunication devices; issuing and redemption services all relating to travellers cheques and travel vouchers; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services, namely, payment services, namely, bill payment and payment processing services, namely, credit card and debit card transaction processing services for the support of retail services provided on-line, via networks or other electronic means using electronically digitized information; value exchange services, namely, providing on-line stored value accounts in an electronic environment in the nature of the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided via website; on-line banking services; financial services, namely, payment services, namely, bill payment and payment processing services, namely, credit card and debit card transaction processing services, namely, via telephone and by means of a global computer network; provision of financial services, namely, processing of financial credit card transactions by means of a global computer network; financial services, namely, the provision of contactless mobile bill payments through merchants in the field of retail, online retail store services and wholesale store services; financial services, namely, processing of financial credit card transactions rendered via 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; financial consulting services in the field(s) of payment solutions, banking, credit cards, debit cards, payment cards and automatic teller machine services