Downloadable computer application software for use as an electronic wallet; downloadable computer software for processing electronic payments and for transferring funds to and from others; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage, retrieval, transmission and authentication of confidential customer information used by individuals, banking and financial institutions; downloadable computer software for use in advertising; downloadable computer software designed to enable smart cards to interact with terminals and readers; downloadable computer software for transmitting, displaying and storing financial transactions, user identification and financial information for use in the financial services, banking and telecommunications industries; downloadable and recorded electronic verification and authentication software and electronic apparatus for controlling access to and communications with computers and networks and verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; magnetically encoded cards for use in financial transactions, namely smart cards, charge cards, credit cards, debit cards and payment cards.

Financial services, namely electronic funds transfer; financial transaction services, namely, providing secure commercial transactions and payment options; banking services; credit card transaction processing services provided via mobile applications and through a website; providing credit card, debit card, charge card and stored value prepaid card services; providing bill payment services via an electronic wallet and through a website; stored value prepaid card services, namely processing electronic payments made through prepaid cards; providing electronic funds transfer and currency exchange and transfer services; processing of electronic wallet payments; funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; payment transaction processing services; advisory services relating to all the aforesaid services.