computer software and programs; namely client/server architecture, relational database integration, database management, data access, data control, global communication network access and graphic user interface for business applications; computer software for performing and processing electronic payments and funds transfer; computer software for performing and processing automated clearance and settlement of electronic payments; computer software for use in processing, transmitting, receiving, storing, accounting for and calculating financial information; electric and electronic apparatus and instruments; namely, computers, point of sale terminals, microprocessors, hand-held computational storage and display devices; data processing, transmitting, receiving, storing, accounting and calculating apparatus and instruments; blank magnetic cards, disks and tapes; pre-recorded or encoded magnetic cards, disks and tapes in the banking and financial fields; calculators; money and currency dispensing, depositing and transferring apparatus and instruments; cash dispensers to recharge cards; electronic cash points machines for deposit or withdrawal of funds; communications apparatus and instruments, namely, telephones, electronic or batterypowered terminals, electronic cards and electronic wallets

business management consultation services in the field of financial electronic data interchange, electronic banking, electronic billing, and electronic funds transfer

financial electronic data interchange; credit verification via a global computer information network; electronic credit risk management services; electronic purchase payment and electronic bill payment services; electronic accounts payable processing services; charge card, debit card and credit card services; currency and currency exchange services; funds, money and currency transfer services; financial management, planning and research services; financial clearing services, checking account services, issuing and redemption of traveller's checks; advisory, consultance and information services relating to all the aforesaid services

computer consultation; computer programming; computer software design and maintenance; designing, creating, implementing and maintaining web sites; computer systems analysis; integration of computer systems and networks; consultation services related to electronic data interchange; electronic banking, electronic billing and electronic funds transfer