Blank and pre-recorded magnetic data carriers; magnetically encoded stored-value cards, credit cards, cash cards, prepaid debit cards and electronic money cards; downloadable and recorded computer software for processing electronic payments and transferring funds to and from others; downloadable and recorded authentication software for authenticating user identification

Economic and organisational business consulting and business project management for the implementation, operation and further development and marketing of micro-accounting systems and electronic money solutions to enable the provisioning and use of services on the Internet as well as via mobile and fixed network telephones; cross-marketing of related products; business investigations; business analysis, research and information services, in particular tracking, analyzing, forecasting and reporting electronic money cardholder purchase behaviour; promoting the sale of the goods and services of others by means of rewards and incentives generated in connection with the use of electronic money payment cards; business administration of consumer loyalty and rewards programs; conducting marketing studies; business consulting services in the field of e-commerce provider services in relation to order placement, administrative processing of order delivery and invoice management for electronic money payment systems; financial records management; business administration and marketing services provided via platforms for banking and financial Internet services

Financial affairs, namely financial information, management, analysis services; monetary affairs, namely financial information, management and analysis services; real estate affairs, namely real estate consultation; financial services, in particular merchant banking services, providing electronic money services, especially with prepaid e-money card services in particular issuing of prepaid virtual and physical credit and debit payroll, gift, corporate expense, general spend, money transfer, travel-forex, stored value, payroll, affiliate commission and instant issue cards; virtual and physical card account creation in the nature of financial services, namely, funding online cash accounts from prepaid cash cards and credit card accounts; loading and card-to-card transfers in the nature of electronic transfer of funds and bank account management services; electronic wallet creation and management, namely bill payment services provided via an electronic wallet; localised card funding and loading options creation in nature of financial services, namely, funding online cash accounts from prepaid cash cards and credit card accounts; banking services in the nature of card to card transfer and mobile banking and payments as well as real time transaction authorisation, processing and reconciliation and automated card and pin issuing and distribution; financial and insurance consulting services in relation to fraud protection and prevention; online payment and electronic money services in the nature merchant services, namely, payment transaction processing services; bill payment services provided via an electronic wallet in the nature of offering electronic-money accounts and electronic-money wallets as well as automated voucher systems; financial and monetary affairs, in particular electronic commerce payment services involving electronic processing and subsequent transmission of bill payment data in relation to order-entry, shipping and billing for electronic ordering systems; financial transactions on the Internet, namely, providing secure commercial transactions and payment options; financial services within the operation of micro-accounting systems for the provisioning and use of services on the Internet as well as via mobile and fixed network telephones, namely, accounting services; financial information services; financial services, namely, providing secure commercial transactions and payment options in relation to payment switch and payment gateway, settlement and reconciliation for payments and transactions; electronic processing of payments in the nature of payments made through prepaid cards; electronic value exchange services, namely, electronic foreign exchange processing; electronic funds transfer in the nature of secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce; electronic funds transfer; electronic funds transfer and currency exchange services; financial assessment and risk management services for others in the field of electronic-money and consumer credit and debit transactions; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, merchant services in the nature of payment transaction processing services through wireless devices; the provision of financial services for the support of retail services provided on-line, through electronic networks, namely, merchant services in the nature of payment transaction processing services; financial analysis and consultation; processing of financial transactions both on-line via a computer database and via telecommunications and at point of sale, namely, electronic processing of debit, credit, and stored value card transactions; payment verification services in the nature of transaction authentication and verification services for payer; verification of financial information in the nature of payment verification services; remote payment services, namely, providing electronic funds and currency transfer; merchant banking in the nature of stored value electronic-money wallet services, electronic -wallet account services, namely the provision of online electronic money accounts and services for consumers and online merchants whereby consumers fund their electronic -wallet accounts and consumers and online merchants businesses send and receive payments and remittances over an online network; merchant banking services in the nature of electronic -money account processing, namely providing the consumers of merchants businesses who pay for goods using credit cards, debit cards or other prepaid payment cards with an electronic-wallet account for use in making secure payments to that business for future businesses; credit and cash card payment processing services in the nature of payment processing and payment service provider services to on-line and other merchants; business consulting in financial matters in the nature of financial consultation in the field of environmental management, namely, advising business and individuals on issues of portfolio planning and investment planning; banking and financial management services used via mobile telecommunication facilities and payments and mobile authentication

Value-added telecommunications services included in this class, namely data transmission and reception services via telecommunication means, in relation to providing mobile money through mobile devices; network-based value-added telecommunications services included in this class, namely data transmission and reception services via telecommunication means

Scientific and technological services, namely, research and design in the field of design and development of computer hardware and software, namely software development of programmes for the handling of accounting systems and payment flows on the Internet; technical development, programming, software development and software maintenance for the development, implementation, operation and further development of payment and micro-accounting systems to enable the provisioning and use of services on the Internet, as well as via mobile and fixed-network phones; technical consultation services in the fields of computer programming, financial computer networks, software for data processing, secure communications in the nature of data security, technical support and consultation services for managing computer systems, databases and applications; graphic design for the compilation of web pages on the Internet; the designing, creation and hosting of payment websites for others; verifications and information, in particular identity, address, e-mail and telephone number verification in the nature of electronic monitoring of personally identifying information to detect identity theft via the internet; providing online, non-downloadable software featuring an automated know your customer (KYC) and verification system for transferring electronic money