Computer hardware, software and programs; computer hardware and software for facilitating payment transactions by electronic means; computer hardware and encryption software, encryption keys, digital certificates, downloadable, digital signatures, downloadable; software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded cards and cards with integrated circuits (smart cards); charge cards, bank cards, credit cards, debit cards and payment cards all encoded; card readers; computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment; 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; electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; radio frequency identification devices [transponders]

Financial services, namely, payment processing services in the nature of credit card and debit card transaction processing services, payment verification services, payment card transaction authorization; banking services; providing credit card, debit card, charge card and stored value prepaid card issuing services; Automated Clearing House (ACH) transaction processing services relating to credit card transactions; issuance of stored value cards for small amounts; electronic wallet services, namely, credit and debit card payment processing services; electronic money and foreign currency transfer services; providing electronic processing of credit card transactions and electronic payments via a global computer network; financial services relating to the withdrawal of cash, namely, the provision of bank account information, balance details, deposits and withdrawals of money to card holders; financial services, namely, processing of payment transactions via wireless devices in support of retail trade; financial services for retail businesses, provided online, via computer networks or other electronic medium, namely, providing electronic processing of electronic funds transfer, ACH, credit card, debit card, charge card, prepaid card, electronic check and electronic payments; financial services, namely, online electronic invoice settlement; electronic funds and currency transfer services; online banking; financial services provided over the telephone and by means of a global computer network or the internet, namely, the provision of contactless mobile payments processing through merchants at retail, online and wholesale locations; financial transaction services, namely, providing secure commercial transactions and payment options using telecommunication, mobile or wireless devices at a point of sale and online via a global computer network