Computer software and downloadable mobile applications for conducting banking transactions, electronic processing and subsequent transmission of bill payment data, accounts receivable billing, electronic remittance of payment and the electronic transfer of funds; software for the financial administration of credit, debit and charge card accounts; software for conducting e-commerce transactions; electronic communications software for the transmission of data; software for the online processing and management of electronic commerce transactions; software in relation to data security services, namely, software for authenticating electronic commerce transactions; software for the electronic transmission of credit card and debit card transaction data and electronic payment data via a global computer network; software designed to enable mobile communication devices containing an integrated circuit chip to interact with terminals and card readers; computer hardware, computer peripherals, mobile communication devices for use in electronic and wireless business and consumer transactions, namely, computer hardware, peripherals and mobile communication devices to facilitate payments by electronic and wireless means; computer hardware and wireless mobile communication devices in the nature of wireless mobile communication devices containing an integrated circuit chip and wireless mobile communication devices for conducting proximity payments; computer hardware for encryption and secure data storage and retrieval and transmission of customer, account and transaction information used by individuals and financial institutions; telecommunications equipment, namely, electronic point of sale transaction terminals for transmitting, displaying and storing transaction, identification, and financial information; electronic verification apparatus, namely, computer hardware for authenticating charge cards, bank cards, credit cards, debit cards and payment cards; magnetically encoded credit, debit and charge cards; encoded electronic chip cards containing programming used in the field of electronic payments; encoded smart cards containing programming used in the field of electronic payments; integrated circuit cards; computer memory chips

Financial services, namely, clearing and reconciling financial transactions via a global computer network; providing electronic processing of automated clearing house, credit card, debit card and charge card transactions and electronic payments via a global computer network; processing of financial transactions on-line via a computer database or via a global information network or via telecommunications or mobile devices or at the point of sale; banking services; information and advisory services related to the aforementioned services

Telecommunications services, namely, electronic transmission of data for payment services provided through wireless devices; mobile telecommunication services, namely, electronic transmission of information from the provision of credit cards and debit cards; telecommunications services, namely, electronic transmission of credit card, debit card, electronic funds, bill payment and transaction data via a global computer network; telecommunications gateway services; telecommunication access services relating to banking and financial affairs; information and advisory services related to the aforementioned services