Computer hardware, computer software, and computer programs related to financial services, namely, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions and for the processing of financial transactions via credit, debit, and smart cards; computer hardware and encryption software, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded and smart card readers; computers designed to enable smart cards to interact with terminals and readers; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices, namely, transponders; and electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards

Financial services related to payment cards and credit cards, namely, credit card and debit card services; banking services; charge card and stored value prepaid card services; stored value electronic purse services, providing electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorization and settlement services; payment services utilizing a radio frequency device to allow payment to be charged to a previously specified payment mechanism, such as a debit card or credit card; cheque verification services; advisory services relating to all the aforesaid services