Computer hardware, computer software and computer programs; computer hardware and software for facilitating payment transactions by electronic means; computer hardware and encryption software, encryption keys, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded cards and card containing an integrated circuit chip; smart cards; charge cards, bank cards, credit cards, debit cards, loyalty cards, store cards, and payments cards; card readers; computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information; electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards, loyalty cards, store cards and payment cards; downloadable electronic publications

Financial services; credit and debit card services; loan services; loan finance services; information and advisory services relating to all of the aforementioned services, including the provision of such information and advisory services on-line or via mobile communications; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitised information; money exchange and money transfer services; foreign exchange services, provision of information relating to the rates of exchange; monetary affairs; information and advisory services relating to the aforesaid services; financial information retrieval services; services relating to money exchange and money transfer, payments, dispensing of currency whether notes, coins, drafts and bills of exchange, issue and redemption of currency payments, electronic fund transfers