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 for the registration, transmission and reproduction of data including sound and images; computer software for tracking, managing 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 comprised of reading memory cards; computer systems comprised of integrated circuit card memories and banking card memories for reading data in memories; computer hardware and software for encoding by 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 featuring encryption keys, digital certificates and digital signatures; computer software for use to 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 in the nature of mobile telephone handsets, tablet computers, digital readers and personal digital assistants (PDAs) 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; downloadable 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; downloadable 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; downloadable software application for use in retail and wholesale retail store locations that allows consumers access to coupons, rebates, discounts, vouchers and special offers delivered by contactless RFID or NFC communications via merchant smart posters; integrated circuit chips for use in mobile phones and NFC and RFID devices; magnetically encoded credit cards, payment cards, stored value cards and electronic data carrier cards and smart cards containing an integrated circuit chip to access information and conduct electronic transactions, purchases and payments for security purposes; encoded identity cards for security purposes; electronically encoded cards with security features for authentication purposes; electronically encoded cards with security features for identification purposes; magnetically encoded cards, namely, charge cards, bank cards, credit cards, debit cards, stored value cards and payment cards; encoded electronic chip cards containing programming used to identify particular users of computers and mobile telephones; bank cards, namely, magnetically encoded bank cards using magnetic memories and integrated circuit memories; card readers for magnetically encoded cards featuring magnetic memories and integrated circuit memories; card readers for magnetically encoded cards; electronic encryption units; computer hardware; computer terminals; computer software for tracking, managing and analyzing financial accounts via a global computer network for use in the financial services, banking and telecommunications industries; computer software for the registration and reproduction of data including sound and images for use in the financial services, banking and telecommunications industries; computer software to enable smart cards, mobile phones and mobile devices to interact with terminals and card readers; downloadable software for mobile devices 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 on mobile phones and other mobile devices for NFC enabled print or posters; downloadable software for mobile devices that allows users to send 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; point of sale transaction computer terminals and computer software for transmitting, displaying and storing transactions, identifications and financial information for use in the financial services, banking and telecommunications industries; transponders, namely, radio frequency identification devices (RFID); electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; cash withdrawal machines, namely, automated teller machines (ATM); computer peripheral devices and electronic goods, namely, mobile telephones, mobile telephone handsets, tablet computers, digital readers and personal digital assistants (PDAs)

Financial services, namely, banking, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value; financial services, namely, electronic credit and debit transactions, bill payment and presentment services, cash disbursement, check cashing, and transaction reconciliation services; financial analysis services featuring reporting related to consolidated funds settlement, gateway services, and settlement and reconciliation; electronic payment processing services; value exchange services, namely, secure electronic transactions over networks to facilitate electronic commerce and electronic funds transfer; providing financial information, namely, credit and debit card data and reports; dissemination of financial information via a global computer network; the provision of financial services for the support of retail and payment services provided through mobile telecommunications means, namely, payment services through wireless devices; financial affairs and monetary affairs, namely, financial information, management and analysis 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; financial services, namely, the provision of contactless mobile payments through merchants in the field of retail, online retail store services and wholesale store services

Design, development, maintenance and update of computer software; design, development and updating of application software for mobile digital devices; computer services, namely, designing financial computer networks, data processing systems and secure communications systems; data encryption and decryption services; data integrity assurance services for others, namely, computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates

Design, development, maintenance and update of computer 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 and update of computer hardware and application software for mobile digital devices; design, development and update 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 and update of downloadable computer programs and application software that allows users to access sales promotion offers and obtain monetary rewards that can be credited to accounts via a cash-back system; consultancy in the design and development of computer hardware and software; computer software consulting services; computer hardware consulting services, namely, consultancy in the design and development of computer hardware; computer programming; technical support and consultation in the design and development of computer hardware; computer programming; application service provider (ASP) services, namely, software for providing consumers with information regarding discounts, vouchers, and special offers for the 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 featuring software for providing consumers with information regarding discounts, vouchers and special offers for the goods and services of others; application service provider services featuring social networking software; graphic design services for the compilation of web pages on the internet; providing information relating to the design and development of computer hardware and computer software provided on-line from a global computer network; 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; data retrieval services, namely, data recovery services; data encryption and decryption of financial information; computer services, namely, designing financial computer networks, data processing systems and secure communications systems; data encryption and decryption services; local area network security; providing a web site featuring technology that enables users to engage in the dissemination of information in the fields of design and development of computer software, computer hardware, financial computer networks and local area networks; data integrity assurance services for others, namely, computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates