Computer programmes, software and hardware; data processing apparatus; apparatus and equipment for connecting computer systems; apparatus and equipment for connecting computer systems to data processing systems, including data processing systems to facilitate protocol conversion, message authentication, transaction formatting, message management, transaction queuing, link management, error handling and report delivery

Financial services including but not limited to financial services provided over a global computer network by telephone or other telecommunications network; transaction processing services for electronic funds, electronic payment services; services relating to the authorisation of financial transactions