Computer hardware and software for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization and settlement services, fraud detection and control, disaster recovery and encryption services; computer software and hardware for the identification and authentication of near field communication (NFC) devices and radio frequency identification (RFID) devices; computer hardware and software for a digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts; blank magnetic data carriers; computer software and computer programs for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization and settlement services, fraud detection and control; computer software for the registration, transmission and reproduction of data including sound and images; computer software for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software for the development, maintenance and use of local and wide area computer networks; computer systems for reading memory cards and computer systems for reading data in memories including integrated circuit memories and banking card memories; computer hardware and software for encoding using encoders and decoders; computer hardware and software for facilitating payment transactions by electronic means over wireless networks, global computer networks and/or mobile telecommunications devices; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; downloadable computer programs and application software for mobile phones and other digital devices that allow users to access coupons, vouchers, voucher codes, rebates, price-comparison information, product reviews, links to the retail websites of others, and discount information; software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless mobile commerce transactions, contactless presentation of loyalty credentials, and contactless redemption of coupons, rebates, discounts, vouchers and special offers; software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers delivered by contactless RFID or NFC communications; software application that allows merchants to deploy smart posters in retail and wholesale in-store locations that consumers can tap with their mobile telecommunications devices to access coupons, rebates, discounts, vouchers and special offers delivered by contactless RFID or NFC communications; integrated circuit chips for use in mobile phones and NFC and RFID devices; magnetic encoded cards and cards containing an integrated circuit chip (smart cards) to access information and conduct electronic transactions, purchases and payments; encoded identity cards for security purposes; cards encoded with security features for financial authentication purposes in connection with the processing of financial payment transactions; cards encoded with security features for identification purposes; hologram impregnated cards for processing of financial payment transactions; charge cards, bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, payment cards and payment cards all magnetically encoded or encoded with electronic chips; banking cards including printed banking cards and banking cards using magnetic memories and integrated circuit memories; card readers for magnetically encoded cards; electronic data media cards, electronic encryption units, computer hardware, computer terminals, computer software for use in the financial services, banking and telecommunications industries, namely, for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization and settlement services fraud detection and control; computer software designed to enable smart cards, mobile phones and mobile devices to interact with terminals and readers; downloadable and pre-loaded software that allows users to access coupons, rebates, discounts, vouchers and special offers online via websites, by scanning coupons, rebates, discounts, vouchers and special offers from printed materials and by tapping on mobile phones and other mobile devices for NFC-enabled print or posters and sending such coupons, discounts, rebates, vouchers and special offers to mobile phones and other mobile telecommunications devices for redemption at retail or wholesale locations or virtual points of sale; computer chips embedded in telephones and other communication devices; telecommunications equipment, namely, transponders, point of sale transaction terminals and computer software for transmitting, displaying and storing transactions, identifications and financial information for use in the financial services, banking and telecommunications sectors; radio frequency identification devices, namely, RFID transponders; electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards, namely, cash withdrawal machines, namely, automated teller machines; computer peripheral devices and electronic goods, namely, mobile telephones, mobile telephone handsets, tablet computers, digital readers and personal digital assistants (PDAs); computer software for processing electronic payments; authentication software for controlling access to and communications with computers and computer networks

Business management and advisory services; marketing consulting services; market research services; business information services, namely, tracking, analyzing, forecasting and reporting cardholder purchase behavior; promoting the sale of the goods and services of others by means of rewards and incentives generated in connection with the use of credit, debit and payment cards through means of wireless networks, mobile telecommunications devices or global computer network, to promote access to coupons, vouchers, voucher codes and rebates at retailers; advertising for others through means of wireless network, mobile telecommunications devices or a global computer network; business administration consultancy; providing office functions; commercial, industrial and business management assistance; business appraisals; advisory services for business management; conducting marketing studies; providing statistical information for business purposes; preparation of financial statements of accounts; book-keeping; business research; public relations; publication of publicity texts; distribution and dissemination of publicity leaflets for advertising purposes; computer database management; advertising services for promoting concerts, cultural events of others; organization of business expositions having commercial or advertising purposes; advertising for transport, travel, hotels, lodging, food and meals, sports, entertainment and sightseeing, for tourist agencies services, and for information relating to tariffs, timetables and methods of transport and travel arrangement through means of wireless networks, mobile telecommunications devices or global computer network; providing consumer information regarding the purchase of goods and services on-line through means of the Internet and other computer networks; data repository and consulting services for managing computer databases of client profile information services of others; providing an on-line and mobile directory of information regarding merchants who accept contactless mobile payments and promote goods and services through this channel; electronic signature verification services provided in connection with banking and financial services; the provision of information and advisory services in relation to all the aforesaid

Financial services, namely, banking, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services, cash disbursement, check verification, check cashing, deposit access and automated teller machine services, transaction authorization and settlement services, transaction reconciliation, cash management, consolidated funds settlement, consolidated dispute processing, data repository and client profile information services, and related switching, gateway, settlement/reconciliation, and funds movement services in the field of payment cards, electronic payment processing services, payment transaction authentication and verification services, value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce, electronic funds transfer, providing financial information, namely, credit and debit card data and reports, financial records management, electronic funds transfer and currency exchange services, financial assessment and risk management services for others in the field of consumer credit; dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, payment processing services through wireless devices; financial analysis and consultation; insurance services, namely, underwriting insurance in the field of travel; financial affairs, monetary affairs, namely, financial information, management and analysis services; banking and credit services; providing credit card, debit card, charge card and stored value prepaid card services; banking, payment, credit, debit, charge, cash disbursement, stored valued deposit access services; bill payment services; credit card, debit card, charge card, pre-paid card and stored value card services; cheque verification and cheque cashing services; automated teller machine services; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; processing services for financial transactions by card holders via automatic teller machines; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; financial settlement and financial authorization services in connection with the processing of financial payment transactions; travel insurance underwriting services; payer authentication services, namely, provision of services relating to the authentication of cardholders, merchants and banks for payment card transactions; verification of financial information; maintenance of financial records relating to banking, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions; electronic funds transfer and currency exchange services; remote payment services, namely, providing electronic funds and currency transfer services stored value electronic purse services, namely, providing electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices; provision of debit and credit services by means of communication and telecommunication devices; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, payment transaction services through wireless devices; processing of credit and debit transactions by telephone and telecommunication link; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smart cards; bill payment services provided through a website; on-line banking; financial services, namely, the provision of contactless mobile payments through merchants at retail, online and wholesale locations; online monetary account services, namely, providing a cloud-based digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts via a cash-back system; consulting services regarding payment solutions, banking, credit card, debit card, payment card and automatic teller machine services; clearing and reconciling financial transactions via global communications networks; on-line bank accounts and web-based money transfers, and financial and account information aggregation services over a global computer network; payroll card services for payroll and benefits payment; bill payment remittance services; electronic transmission of money from customer to customer; electronic transmission of bill and payment data; facilitating person-to-person money transfer and payment services through electronic means via a global computer network; credit and debit card verification services

Telecommunications services, namely, the electronic transmission of data for payment services provided through wireless devices; mobile telecommunication services, namely, using electronically digitized information connection with the provision of credit cards and debit cards; electronic data transmission in the nature of machine readable code that is displayed on a mobile device display screen and transmitted over a global remote data processing network, via the internet; telecommunications services for the transmission, provision or display of information from a computer-stored data bank or via the internet in the field of financial services; transmission of data through the use of electronic image processing by mobile telephone link; electronic mail, message sending and receiving services providing multi-user access to a secure computerized information network for the transfer and dissemination of a range of information in the field of financial services

Design, development, maintenance and updating of computer hardware and software; providing temporary use of non-downloadable software and applications for managing, locating, activating and revoking authentication and digital credentials of near field communication (NFC) devices; design, development, maintenance and updating of computer hardware and application software for mobile digital devices; design, development, maintenance and updating of downloadable computer programs and application software for mobile phones and other digital devices that allows users to access coupons, vouchers, voucher codes, rebates, price-comparison information, product reviews, links to the retail websites of others, and discount information; design, development, maintenance and updating of downloadable computer programs and application software that allows users to access sales promotion offers and obtain monetary rewards that can be credited to their accounts via a cash-back system; computer programming; consultation services for managing computer systems, databases and applications; application service provider (ASP) services, namely, software for providing consumers with information regarding discounts, vouchers, and special offers for goods and services of others; application software provider (ASP) featuring software for receiving, transmitting and displaying vouchers, coupons, voucher codes, special offers, reviews, product information, price comparison information, links to websites, and receiving and transmitting data for the purchase of goods and services; application service provider (ASP) services featuring software for providing consumers with information regarding discounts, vouchers and special offers for the goods and services of others; application service provider (ASP) services, namely, the provision of social networking software; graphic design for the compilation of web pages on the internet; creating and maintaining web-sites for others; hosting the web-sites of others; creation of web pages for others; the design, creation and hosting of merchant websites; the designing, creation and hosting of bill payment websites; recovery of computer data; data encryption and decryption of financial information; computer services, namely, digital signature authentication services for authentication of others, namely, data encryption and data integrity assurance services; providing for others encrypted and digitally signed and authenticated data for use in issuance, and validation of digital certificates in the field of document authentication; computer services, namely, digital certificate verification, authentication, issuance, distribution and management, and technical consultation services in the fields of computer programming, design of financial computer networks, data processing systems, secure communications, data encryption and decryption and local area network security; dissemination of information over a global computer network in the fields of design and development of computer software, computer hardware, financial computer networks and local area networks