Educational services, namely, conducting conferences in the field of computer operating system software; IT training services; training services in the field of computer operating system software.

Computer software development; computer software development, computer programming and maintenance of computer software for a computer operating system; design and development of computer software for a computer operating system; maintenance and updating of computer software; providing information that enables users to provide and receive technological consultancy, participate in discussion, get feedback from their peers via discussion lists, form virtual communities, engage in social networking via a website.

Integrated circuit cards; Interactive touch screen terminals; Central processing units (CPUs); Readers (data processing equipment); Laptop computers; Portable computers; Tablet computers; Monitors (computer hardware); Thin client computers; Computer peripheral devices; Computer hardware; Computers; Data processing equipment

Bank account information services; Bank account services; Banking; Banking services in relation to the electronic transfer of funds; Computerised banking services; Electronic banking; Financial banking; Home banking; International banking; Internet banking; Mortgage banking; Online banking; Personal banking services; Personal financial banking services; Processing of payments for banks; Savings bank services

Computer utility and operating system software.

Scientific apparatus and instruments; magnetic data carriers, recording discs; automatic vending machines and mechanisms for coin operated apparatus; cash registers; data processing equipment computers, computer hardware, computer software and computer programs; telecommunications and electrical apparatus and instruments; accounting machines; apparatus for registration, transmission, reproduction of data including sound and images; magnetic recording supports; apparatus for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software, in particular for the development, maintenance and use of local and wide area computer networks; systems for reading memory cards and systems for reading data in memories including integrated circuit memories and banking card memories; downloadable electronic publications; printing apparatus including printing apparatus for data processing systems and financial transaction systems; machines for banking establishments; encoders and decoders; modems; computer hardware and software for facilitating payment transactions by electronic means; 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; magnetic encoded cards and cards containing an integrated circuit chip (smart cards); charge cards, bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, payment cards and payment cards all encoded; prepaid cards; banking cards including printed banking cards and banking cards using magnetic memories and integrated circuit memories; card readers; magnetic coded card readers, electronic data carrier cards, magnetic coded card readers, electronic data carriers card readers, electronic encryption units, computer hardware, computer terminals, computer software for use in the financial services, banking, foreign exchange bureaux services and telecommunication industries; computer software designed to enable smart cards to interact with terminals and readers; computer chips embedded in telephones and other communication devices; telecommunications equipment; point of sale transaction terminals and computer software for transmitting displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices (transponders); and electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards, prepaid cards, and payment cards; apparatus for teaching cards; cash dispensing machines; vending machines; computer peripheral devices and electronic goods, namely, calculating machines, pocket planners, personal digital assistants (PDAs), alarms and flashlights

Insurance services; financial affairs; monetary affairs; financial services; banking and credit services; money exchange and money transfer services; providing credit card, debit card, charge card and stored value prepaid card services; banking, payment, credit, debit, charge, discount card, cash disbursement, stored valued deposit access services; bill payment services; credit card, debit card, charge card, prepaid 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 cardholders via automatic teller machines; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; settlement and authorization services; travel insurance services; issuing and redemption of travellers cheques and travel vouchers; issuing of drafts; telegraphic transfers; payer authentication services; verification of financial information; data encryption and decryption of financial information; maintenance of financial records; electronic funds transfer sad currency exchange services; dissemination of financial information via the Internet and other computer networks; remote payment services; stored value electronic purse services; providing electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorisation and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of debit and credit services by means of communication and telecommunication devices; travel insurance services; 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 service provided through mobile telecommunications means, including payment service 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; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet; provision of information relating to rates of exchange; bureaux de change services; real estate services; real estate property services; real estate insurance services; insurance for property owners; insurance services relating to property; real estate financing; real estate brokerage; real estate appraisals; real estate agency services; evaluation of real estate; real estate administration; administration of financial affairs relating to real estate; provision of real estate loans; financial services relating to real estate development; financial brokerage services for real estate; financial services relating to real estate property and buildings; financial services for the purchase of real estate; arranging of loan agreements secured on real estate; arranging of shared ownership of real estate; arranging the provision of finance for real estate purchase; assisting in the acquisition of and interests in real estate; capital investment in real estate; commercial property investment services; financial services relating to the acquisition of property; financial services relating to the sale of property; financial valuation of freehold property; financial valuation of leasehold property; arranging letting of real estate; arranging of leases of real estate; leasing of property; leasing of real estate property; leasing of freehold property; estate management services relating to transactions in real property; valuation of property; property portfolio management; management of property; advisory services relating to real estate ownership; advisory services relating to real estate valuations; corporate real estate advisory services; computerized information services relating to real estate; consultation services relating to real estate; provision of information relating to real estate property; provision of information relating to the property market; research services relating to real estate acquisition; research services relating to real estate auctions

Scientific apparatus and instruments; magnetic data carriers, recording discs; automatic vending machines and mechanisms for coin operated apparatus; cash registers; data processing equipment; computers, computer hardware, computer software and computer programs; telecommunication and electrical apparatus and instruments; accounting machines; apparatus for registration, transmission, reproduction of data including sound and images; magnetic recording supports; apparatus for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software, in particular for the development, maintenance and use of local and wide area computer networks; systems for reading memory cards and systems for reading data in memories including integrated circuit memories and banking card memories; downloadable electronic publications; printing apparatus including printing apparatus for data processing systems and financial transaction systems; machines for banking establishments; encoders and decoders; modems; computer hardware and software for facilitating payment transactions by electronic means; 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; magnetic encoded cards and cards containing an integrated circuit chip ("smart cards"); charge cards; bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, payment cards and payment cards all encoded; banking cards including printed banking cards and banking cards using magnetic memories and integrated circuit memories; card readers; magnetic coded card readers, electronic data carrier cards, magnetic coded card readers, electronic data carrier card readers, electronic encryption units, computer hardware, computer terminals, computer software for use in the financial services, banking and telecommunications industries; computer software designed to enable smart cards to interact with terminals and readers; computer chips embedded in telephones and other communication devices; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices (transponders); and electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; apparatus for teaching cards; cash dispensing machines; vending machines; computer peripheral devices and electronic goods, namely calculating machines, pocket planners, personal digital assistants (PDAs), alarms and flashlights

Insurance services; financial affairs; monetary affairs; financial 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 value 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; settlement and authorization services; travel insurance services; issuing and redemption of travellers cheques and travel vouchers; payer authentication services; verification of financial information; data encryption and decryption of financial information; maintenance of financial records; electronic funds transfer and currency exchange services; dissemination of financial information via the Internet and other computer networks; remote payment services; stored value electronic purse services; providing electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorisation and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of debit and credit services by means of communication and telecommunication devices; travel insurance services; 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, 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; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet; real estate services; real estate property services; real estate insurance services; insurance for property owners; insurance services relating to property; real estate financing; real estate brokerage; real estate appraisals; real estate agency services; evaluation of real estate; real estate administration; administration of financial affairs relating to real estate; provision of real estate loans; financing services relating to real estate development; financial brokerage services for real estate; financial services relating to real estate property and buildings; financial services for the purchase of real estate; arranging of loan agreements secured on real estate; arranging of shared ownership of real estate; arranging the provision of finance for real estate purchase; assisting in the acquisition of and interests in real estate; capital investment in real estate; commercial property investment services; financial services relating to the acquisition of property; financial services relating to the sale of property; financial valuation of freehold property; financial valuation of leasehold property; arranging letting of real estate; arranging of leases of real estate; leasing of property; leasing of real estate property; leasing of freehold property; estate management services relating to transactions in real property; valuation of property; property portfolio management; management of property; advisory services relating to real estate ownership; advisory services relating to real estate valuations; corporate real estate advisory services; computerized information services relating to real estate; consultation services relating to real estate; provision of information relating to real estate property; provision of information relating to the property market, research services relating to real estate acquisition; research services relating to real estate auctions

Provision of billing solutions using periodic direct debits of bank accounts and credit cards as the key mechanism for collection

Enzymes; enzyme preparations for industrial purposes; chemical products and preparations, all incorporating enzymes; chemical products made from organisms; biochemical catalysts

mobile apps; educational computer apps; application software for smartphones; application software for smartphone; downloadable software applications [apps]; downloadable smartphone apps [software]; application software for mobile devices; mobile applications; application software for cell phones; application software for smartphones, downloadable; application software for mobile phones; educational mobile apps; software and applications for mobile devices; software for smartphones; downloadable mobile apps; software applications [apps] for Internet of Things [IoT] enabled devices; software applications for smartphones, downloadable; application software for mobile telephones; application software for cellular phones; software applications for use with mobile devices; mobile application software; app tokens; downloadable applications for use with mobile devices; smartphone software; computer software in the form of an app for mobile devices and computers; downloadable smartphone applications [software]; application software for mobile payment; smartphone application software, downloadable; augmented reality software for use in mobile devices; downloadable software applications for smartphones; computer application programs for smartphones; downloadable application software for smartphones; application software for wireless devices; instant messaging software; computer application software for cell phones; computer application software featuring avatars; application software; software for mobile phones; smartphone software applications, downloadable; software and applications for computers and mobile devices; software for cell phones; computer application software for mobile phones; web application software; software and applications for mobile telephones; downloadable computer application software for smartphones; downloadable smartphone application software; downloadable apps; mobile apps, downloadable; mobile applications, downloadable; downloadable applications; downloadable publications; downloadable billing computer programs; downloadable software applications for mobile telephones; computer utility software, downloadable; downloadable mobile applications; encoded debit cards

banking; financial research; banking and financial services; financial investment; banking and financing services; financial banking services; financing and credit services; financial management; financial management and research; information, advisory, consultancy and research services relating to finance and investments; financing of loans; financial loan services; loans [financing]; advisory services relating to finance; financial affairs; financial services in the field of money lending; providing information relating to finance via a web site; financial information; financial analysis; financing services; providing financial information; financing and loan services; financing services for companies; personal finance services; financial investment services; business banking; financial consulting and advice; financial information services; financial consulting services; financial planning and management; financial asset management; providing information in the field of personal finance; financial trading services; financial research and information services; financial management for businesses; financial management services; financial consulting and management services; financial management and consultancy services; financial consulting and advisory services; financial advice services; financial management and research services; providing financial information via a web site; financial analysis and consultancy services; banking, financial and insurance services; financial, monetary and banking services; personal finance consultancy; banking services; financial payment services; financial advisory services for companies; financial advice and consultancy services; financial fund management; financial planning services; financial management for commercial businesses; providing financial information via computer databases; financial investment and advisory services; financial services relating to credit cards; financial administration services; financial advisory and consultancy services; provision of financial information; financial information and advisory services; financial and monetary affairs; business banking services; providing financial information online; personal finance advisory services; financial analysis and research services; providing financial information and financial advice via a web site; financial management of funds; financial management via the Internet; personal financial banking services; banking consultancy; provision of financial information via a web site; information services relating to banking; clearing, financial; providing financial information by means of a computer database; providing information relating to financial and monetary affairs; financial clearing; providing financial information via a website; financial banking transactions; financial transactions; financial and monetary transactions; financial transaction and payment services; financial transaction services; conducting of financial transactions; on-line financial transactions; payment transaction card services; monetary transaction services; processing of payment transactions; financial transaction services by electronic means; online financial transactions; processing of financial transactions; on-line financial transaction services; monetary transactions; processing of insurance transactions; actuarial services relating to financial transactions; credit card transaction processing services; electronic credit card transactions; providing secure payments for commercial transactions; arranging financial transactions; conducting of financial transactions on-line; conducting of financial transactions online; processing of credit card transactions; processing of savings account transactions; providing secure financial transactions and payment options; processing of payment transactions via the Internet; processing of bank transfer transactions; financial calculation services for others, namely, royalty calculation; invoice payment services provided through a website; invoice payment services provided through a web site; online bill payment services; processing of debit card transactions; direct debit services; issuing of debit cards; debit card services; processing of debit card payments; credit and debit card services; debit card transaction processing services; debit card payment processing; processing of electronic debit transactions; credit card and debit card services; debit card payment processing services; processing of credit card and debit card payments; issuance of debit cards; accounts payable debiting services; credit card, debit card and electronic check transaction processing services

Computer programs (downloadable software)