Computer hardware and software for facilitating payment transactions by electronic means; software for secure protected online payments; software relating to payment over the internet and other communications networks; electronic payment terminal; electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; electronic read-out apparatus for use in the authentication and identification of cashless payment means; magnetically encoded credit cards; computer software that allows merchants to accept payment for goods and services by check, credit, debit or stored value card over a global computer network; combination electronic terminal, printer, check reader, card reader and payment transaction storage device for use in the approval and processing of check, credit, debit and stored value card payments; computer hardware; computer terminals; printers; electronic scanners for capturing and digitizing signatures; point-of-sale terminals; electronic personal identification number (PIN) pads; cellular wireless electronic transaction terminals and electronic payment devices for use in connection with credit card, debit card and stored value card transactions, transaction authorizations and payment processing services; pre-recorded videos featuring financial services, financial transactions electronic payment services, payments by electronic communication networks in the nature of the Internet and other telecommunication networks, handling financial transactions processing, financial risk management, financial affairs via computer networks, telecommunications networks or interactive communication media, financial information relating to payments in global markets, mobile commerce and contactless commercial transactions, processing of transactions; downloadable electronic publications, namely, newsletters, journals, books, periodicals, manuals, and whitepapers all featuring financial services, financial transactions electronic payment services, payments by electronic communication networks in the nature of the Internet and other telecommunication networks, handling financial transactions processing, financial risk management, financial affairs via computer networks, telecommunications networks or interactive communication media, financial information relating to payments in global markets, mobile commerce and contactless commercial transactions, processing of transactions

Business management and business administration of online merchants for and on behalf of such merchants, but also for and on behalf of other parties involved in the payments chain, such as administrative processing of purchase orders, invoicing, negotiation and conclusion of commercial transactions for third parties; outsourcing services and business management and organization consultancy; data processing services in the field of check, credit, debit, stored value and electronic benefits transfer card transactions and payments; bookkeeping and data processing in the field of employee benefits and pension plans; advertising services, namely, selective insertion of promotional and informational materials into mailings; advertising and marketing services, namely, direct mail, development and creation of brochures, sales support communications and other printed promotional materials; marketing and advertising services for others, namely, placing of onscreen advertising on automatic teller machines; mail processing services for others, namely, mail sorting and handling and receiving; business management, namely, efficiency expert services in the areas of information and workflow processing management; business administration services, namely, computerized order processing and inventory management; business services, namely, administration, billing and reconciliation of accounts on behalf of others; providing business information management services, namely, managing business information and data databases of others and preparing from said databases business models, business reports and correspondence comprising business information for others for use in business management activities and in customer mailings; business services for others, namely, providing market analysis in the nature of business marketing database modeling and scoring and providing business marketing information services for card issuers, deposit banks, and other direct marketers; business investigations; operation of telephone call centres for others; customer services, namely, responding to customer inquiries for others regarding business concerns in the field of payment transactions; customer loyalty services for financial institutions and merchants for commercial, promotional and/or advertising purposes, namely, conducting incentive award programs to promote the sale of products and services of others; promoting the sale of the goods and services of others through the distribution and processing of electronic coupons issued over a global computer network; tax filing and tax calculation services; providing an on-line interactive database containing commercial business information regarding consumers, namely, commercial financial transaction data, consumer data and customer data; processing of customer loyalty points, discounts and rewards via wireless proximity payment devices and magnetically encoded cards

Financial services, namely, the provision of payments in global markets, electronic payment services, payments by electronic communication networks in the nature of the Internet and other telecommunication networks; monetary affairs, namely, monetary transfer services, monetary transaction services, monetary exchange services, banking services; issuing and acquiring credit cards; credit card services relating to financial transactions; handling financial transactions processing, clearing and reconciling financial and credit card transactions via a secure global computer network; multi- currency banking services; financial risk management; research and information in relation to financial affairs via computer networks, telecommunications networks or interactive communication media, namely, providing financial information relating to payments in global markets in the nature of mobile commerce and contactless commercial transactions, processing of transactions made with credit cards, debit cards, store cards, bank cards, credit cards, other cards and microchips containing details of bank accounts and payments; providing information regarding and control of electronic funds transfer and payment services

Telecommunication services, namely, telecommunications gateway services for providing the electronic transfer of data, documents and information via a communication network, such as but not limited to, mobile commerce and contactless commercial transactions of advice and services in the field of information and communication; video conferencing services, providing online forums for transmission of messages among computer users; consultancy, information and advisory services in the field of telecommunications

Academies, training, and on- and offline educational services, namely, providing classes, workshops, seminars, webinars, and training in the field of global e-commerce payments; online educational services, namely, training and workshops in the field of online payments provided to the payments industry; publication of electronic newsletters for credit, debit and stored value card acceptance and payment processing programs, services and products; non-downloadable online videos in the field of the financial industry, financial services, financial transactions electronic payment services, payments by electronic communication networks in the nature of the Internet and other telecommunication networks, handling financial transactions processing, financial risk management, financial affairs via computer networks, telecommunications networks or interactive communication media, financial information relating to payments in global markets, mobile commerce and contactless commercial transactions, processing of transactions; non-downloadable electronic publications, namely, newsletters, journals, books, periodicals, manuals, and whitepapers all featuring financial services, financial transactions, electronic payment services, payments by electronic communication networks in the nature of the Internet and other telecommunication networks, handling financial transactions processing, financial risk management, financial affairs via computer networks, telecommunications networks or interactive communication media, financial information relating to payments in global markets, mobile commerce and contactless commercial transactions, processing of transactions; digitally capturing photos and other images to be placed on credit, debit and stored value cards

Updating of software of electronic systems for capturing and transferring data for the electronic transfer of funds; design and development of software used for capturing and transferring data for the electronic transfer of funds, and electronic systems for controlling financial data management operations and for electronic transfer of funds; development of electronic devices and money management system software in particular for banks other financial and credit institutions and cash transport enterprises as well as for their customers, for managing, processing, reconciling, monitoring and optimizing money transfers, including authorization and processing of payments made with credit cards, debit cards, store cards, bank cards, other cards and microchips containing details of bank accounts; consultancy and advisory services, relating to electronic systems for capturing and transferring data for the electronic transfer of funds from sale; information, advice and consultancy relating to all aforesaid services; development and design of software in the field of financial services for the processing of financial and related transactions, including authorization and processing of payments; website design consultancy; information technology consultancy