Computer hardware and software consulting services, namely, consultancy in the design and development of computer hardware and software; computer programming; providing temporary use of non-downloadable software and applications for managing, locating, activating and revoking authentication and digital credentials of near field communication (NFC) devices; design and development of computer hardware and application software for mobile devices; design, development, maintenance and update of downloadable computer programs and application software for mobile phones and other digital devices that allows users to access coupons, vouchers, voucher codes, rebates, price-comparison information, product reviews, links to the retail websites of others, and discount information; authentication services, namely, providing user and identity authentication services using biometric hardware and software technology for payment transactions, fraud detection, and data authentication and verification; computer and Internet related services, namely, providing on-line electronic computer databases via a global computer network in the field of authentication services in the nature of identity authentication and verification, risk management, and electronic monitoring of credit card activity to detect fraud via the internet; data encryption and decryption of financial information; digital certificate verification, authentication, issuance, distribution and management; consulting services in the fields of computer programming, design of financial computer networks, and data encryption and decryption; information, advisory and consultancy services relating to all the aforesaid services