Apparatus and instruments for conducting, switching, transforming, accumulating, regulating or controlling electricity, namely, electrical conductors, electrical switches, electrical transformers, electrical accumulators, electrical regulators, electrical controllers; apparatus for recording, transmission or reproduction of sound or images; blank magnetic data carriers; blank optical recording discs; automatic vending machines and mechanisms for coin-operated apparatus; cash registers; calculating machines, data processing equipment and computers; downloadable computer software for processing electronic payments and transferring funds to and from others; downloadable authentication software for authenticating ownership factors such as security information and knowledge factors such as passwords or pin numbers that may be downloaded from a global computer network or recorded on computer media; downloadable computer software for enabling payment over the internet and other communications networks; authentication software for controlling access to and communications with computers and computer networks; magnetically encoded credit cards and payment cards; wired and wireless computer peripherals; mouse mats; downloadable computer software for distributing billing statements; software

Advertising; business management, organization and administration; office functions

Financial and monetary services, namely, Bill payment services provided through a website; banking services; insurance brokerage, actuarial services; financial services, namely, providing online stored value accounts in an electronic environment; electronic funds transfers; on-line banking; insurance brokerage and consultation services; financial and monetary affairs, namely, financial information management and analysis services; processing electronic payments for commercial transactions; electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services over electronic communications networks; clearing and reconciling financial transactions via electronic communication networks; financial clearing house services; credit card and cash card payment processing and verification services; issuing credit cards, cash cards and credit lines; processing of credit card, electronic payments; telephone banking; financial and monetary services

Software as a service featuring software for use in database management, for service desk management, for accounting; information technology (IT) consultancy; providing non-downloadable software via telecommunication connections in the nature of application service providing featuring software for use in database management, for use as a spreadsheet, for word processing; providing temporary use of on-line non-downloadable software for use in database management, for use as a spreadsheet, for word processing; providing on-line non-downloadable computer software for processing electronic payments and transferring funds to and from others; providing temporary use on non-downloadable computer software for enabling payment over the internet and other communications networks; providing temporary use on non-downloadable computer software for enabling payment over the internet and other communications networks to enable payment transactions conducted within third-party computer software programs; providing temporary use on non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing online, non-downloadable, web-based, electronic financial platform computer software that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; software as a service (SaaS); providing non-downloadable software via telecommunication connections (application service providing)