Computer programs; computer programs for processing of financial payments involving enabling card verification and authorisation, fraud checking, and secure transfer of money for merchant accounts; computer hardware and software comprising a digital wallet that stores customer account information; apparatus for payment with magnetically encoded cards; apparatus for payment with magnetic memory cards; apparatus for receiving cash payments being credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards or other payment cards and microchips containing account details; apparatus for receiving cash payments; automatic payment machines; devices incorporating microprocessors for use in fare payments on public transport; machine readable devices for cashless payment systems; magnetic payment cards; payment cards being magnetically encoded; read out apparatus for use in the authentication of cashless payment means; read out apparatus for use in the identification of cashless payment means; tariff devices for recording payment; terminals for electronically processing credit card payments; terminals for the electronic payment of charges with credit cards; scientific apparatus and instruments including telecommunications, signalling, checking (supervision), and teaching apparatus; magnetic data carriers, acoustic disks; mechanisms for coin-operated apparatus; cash registers, calculating machines, data processing equipment and computers, computers, servers and software for telecommunications, semi-conductors, microprocessors, integrated circuits, computer for micro-programming, software, computer memories, computer peripherals, data processing units and their parts; electronic apparatus and equipment for remote connection to a computer network and/or telecommunications, data processing equipment and computers; electronic data carrier cards, charge cards, bank cards, credit cards, debit cards, stored value cards, payment cards; encoded magnetic card readers, electronic data carrier card readers, electronic encryption units; computer hardware, computer terminals, computer peripheral devices and computer software, electronic apparatus for use in processing financial transactions; computer software relating to the handling of financial transactions such as payments by charge cards, bank cards, credit cards, debit cards, stored value cards and payment cards; computer software applications; electronic verification apparatus for verifying authenticity of bank cards, credit cards, debit cards, charge cards, stored value and/or payment cards; parts and fittings for the aforesaid goods; electronic publications; downloadable data including publications and software; electronic publications relating to research on financial issues and research into payment transaction data and white papers relating to research and analysis of financial transactions trends

Banking services; online banking services; credit card, debit card, store card, bank card, charge card, gift voucher card, other payment card authorisation services; credit services; payment card services; issuing of payment cards; electronic funds transfer and payment services; processing of transactions made by credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; card to card transfer and mobile banking and payments; processing of credit and debit transactions by telecommunication link; issue and redemption of tokens, coupons and vouchers of value; currency exchange services; electronic wallet services (payment services); E-wallet account services, namely, the provision of online electronic money accounts (e-wallet accounts) and services for consumers and online merchants whereby consumers fund their e-wallet accounts and consumers and online merchants (businesses) send and receive payments and remittances over the Internet; point of sale payment services; mail payment services; telephone payment services; recurring payment services; merchant account services; financial risk management; financial services; insurance; monetary affairs; services in relation to secure handling of online financial transaction data; services for secure transfer of money between banks, their customers and merchant accounts; financial risk management; financial services being financial analysis and consultation, financial exchange of data between financial institutions and their customers, financial services relating to analysis of payment transaction data; monetary affairs services being cross border multi-currency exchange services; information, advisory and consultancy services related to all the aforesaid services

Advisory and consultancy services, in the field of electronic transmission of data, namely, electronic data capture and transmission systems for the purposes of electronic funds transfer from points of sale; providing multiple use access to global computer information networks for dissemination by email of vouchers, voucher codes, gift codes, claim codes, discount offers, promotional offers, coupons and printable vouchers enabling customers to conveniently view and redeem tokens of value by means of the Internet

Software as a service for processing of payments made with credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; platform as a service for processing of payments made with credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; providing temporary use of online non­ downloadable software for processing of payments made with credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring of card readers and electronic apparatus to ensure properly functioning for handling financial and associated transactions including authorisation and processing of payments made with credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring of electronic apparatus to ensure properly functioning for retrieving information stored on credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring and updating of electronic verification apparatus for verifying authenticity of credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; lease, hire and rental of computer equipment, hardware, software and programs; data encryption services; information, advisory and consultancy services related to all the aforesaid services

Identity theft and fraud protection services; information, advisory and consultancy services related to all the aforesaid services