Computer hardware, computer software and computer programs; computer software designed to facilitate micro-payments to internet retailers, merchants and content providers; computer software and hardware for person-to-person payments by electronic means; computer software comprising a digital or electronic wallet for storage of payment card and personal information and electronic cash; computer hardware and encryption software utilising encryption keys, digital certificates and digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals; magnetic encoded cards and cards containing an integrated circuit chip (smart cards), recorded tokens being magnetically encoded gift cards, apparatus for data storage; encoded debit cards, encoded pre-paid cards, encoded reloadable cards, and encoded payment cards for financial applications; encoded cards for use in connection with loyalty or promotion schemes; card readers containing radio frequency identification devices for transmitting, displaying and storing payment information for use in connection with payment services computer software designed to enable smart cards to interact with terminals and readers; point of sale transaction terminals; electronic verification apparatus for verifying authentication of debit cards, reloadable cards, pre-paid cards; encoded key cards, recorded tokens being encoded gift cards

Business management, organisation, operation and administration of loyalty and incentive schemes or programs to promote the sale of goods and services; business services including business management, administration and information services; business records keeping, namely, maintenance of financial records; appraisal, consultancy, information, management, research and organisation services all of the foregoing being business related; sales promotion through the supply of benefits in connection with loyalty and incentive schemes or programs; administration of loyalty or reward programs involving discounts or incentives; business management, organisation, operation and administration services in relation to the supply of benefits for customer loyalty or reward programs; administration of bonus, loyalty and reward programs being the supply of gifts and rewards; business organisation and management of incentive and sales promotion programmes (frequent buyer); organisation, operation and supervision of sales and promotional incentive schemes; compilation and maintenance of direct mailing lists; promotion of incentive schemes; administration of loyalty programs involving discounts or incentives; advertising, in particular advertising for all kinds of goods, services, and cashless means of payment; procurement services for others [purchasing goods and services for other businesses]; promotion of the sales of goods and services of third parties including by means of advertisement, sale promoting competitions, discounts and other incentives such as drawings, discounts, bonus points, cash, and surplus value offers; market research data analysis services; market research and survey services; market research information services; market analysis services; marketing advisory services, digital business strategy, customer relationship management; business modelling services in relation to advertising, sales promotion, media and retail location; advertising agency services; advertising, marketing, and promotion services; advertising and marketing consultation; sales promotion services; marketing activities and initiatives for advertising and promotional purposes of charities, charitable fundraising and charitable services and members of an association; business consultancy services relating to the marketing of fund raising campaigns for sports sponsorship, teams, clubs, associations, groups, and organisations; provision of advice and information relating to marketing; business strategy services; direct mail advertising campaigns for fundraising purposes; compilation of direct mailing lists; direct mail advertising; promotion, marketing and management of fund raising and sponsorship advertising campaigns; maintenance of financial records; production, organisation, presentation and promotion of events, activities and initiatives for advertising and promotional purposes; consultancy and information services, including online, in relation to the aforementioned services

Financial and monetary affairs and services; providing payment card services; bill payment services that enable consumers to pay their bills electronically by debiting the consumer's account and crediting the biller's account; stored value electronic purse payment services; facilitating person-to-person payment services through electronic means; electronic funds transfer; payment services involving micro-payments to internet retailers, providing merchants and content providers with financial transaction information stored in a centralised database; financial transaction authorisation and settlement services; electronic payments services, cash disbursement services, direct deposit services; debit card and reloadable card services; issuance of tokens of value; prepaid card services; payment card services offered by means of radio frequency identification devices; authentication of financial transactions for merchants; payment verification services; authentication of financial transactions by payers; advisory services relating to all the aforesaid services; financial services associated with promotional incentive schemes; financial services associated with loyalty and frequent buyer programs; including electronic funds transfer; issuance of stored value cards, tokens of value, reloadable cards, and pre-paid gift cards; financial sponsorship of events, services and activities in this class, including sponsorship of sports and sports teams, consultancy, information services, and advisory services relating to all the aforesaid services; charitable fundraising services and financial sponsorship services in this class; fund raising; production, organisation and presentation of events, activities and initiatives for fundraising, and charitable fundraising; consultancy and information services, including online, in relation to the aforementioned services