Downloadable computer programs in the field of banking and finance, allowing secure payment transactions on internet-type computer communications networks; computer software, namely, secure payment software for internet-type computer communications networks, software for encryption allowing users to perform electronic transactions via a global computer network; computer application software for cellular telephones and electronic tablets, namely, software use in electronic storage and transmission of data, for allowing access to banking information and performing banking and payment transactions; computer programs for synchronization of data and databases; hand-held terminals, namely, smartphones and electronic tablets; computer application software for mobile phones, namely, software for use in electronic storage and transmission of data, for allowing access to banking information and performing banking and payment transactions; touch-screen tablet computers; data processors and computer software, namely, telephony-based computer processors and software for data recovery; computer software for sending and receiving electronic mail and messaging, computer software for use with paging equipment; computer software for the redirection of messages, internet e-mail and other data to one or more hand-held devices from a recorded database on or linked to a personal computer or a server; pre-recorded chips, disks and tapes containing computer programs and software for recording computer software; blank chips, disks and audio, digital and magnetic computer tapes for recording computer software; random-access memory cards, read-only memory compact discs; electronic hand-held units for reception, storage and wireless transmission of data and messages, and electronic devices featuring software that enables the user to store or manage personal information; electronic and magnetic ID cards for use in connection with payment for services; magnetic coded cards for storing information and value for financial and banking transactions, optical cards, namely, blank recordable optical discs; blank electronic chip cards; encoded electronic chip cards, namely, smart cards containing programming used for storing information and value for financial and banking transaction and to track and trace user purchases and award discounts; cards with magnetic strips, namely, secure digital memory cards, magnetic cards, namely, cards with magnetic strips for use as credit cards, pre-paid telephone cards, stored value cards for making purchases; e-purses featuring stored-value for purchases; electronic counterfeit money detectors; electronic card readers for memory or chip cards, magnetic cards, payment cards, credit cards, debit cards, loyalty cards, and discount cards

Financial affairs and monetary affairs, namely, financial information, management and analysis services; banking; factoring, namely, factoring agencies and credit card factoring services; insurance underwriting services for all types of insurance; financial services, namely, investment, consulting, management in provident funds; establishing mutual funds for others; credit card services, credit bureau services, credit rating services, credit scoring services, credit union services; safe deposit box services, namely, deposits of valuables; management of securities portfolios; financial services featuring issuance of stored value cards, namely, bank checks, travelers' checks, bank cards, loyalty cards; financial evaluation services, namely, providing insurance, banking, and real estate financing evaluation services; trusteeship services, namely, trusteeship representatives; foreign exchange operations, namely, foreign exchange transactions, information services and bureaus; payment by installments, namely, bill payment services and installment loans; electronic processing of payment of funds; financing of loans; collateral loans, namely, financing of collateral loans; financial transaction services, namely, providing secure commercial transactions and payment options; financial analysis and research services, namely, research and prospecting with regard to financial markets and management of securities, all these services also potentially provided via the internet; financial clearing-house services featuring exchange transactions; real estate services, namely, rental of offices; financial sponsorship of cultural, athletic, musical and theatrical events; banking, on-line banking services featuring operations carried out on telecommunication networks and computer communications networks