Computer hardware, computer software and computer programs; computer software designed to facilitate micro-payments to Internet retailers, merchants and content providers; computer software and hardware for person-to-person payments by electronic means; computer software comprising a digital or electronic wallet for storage of payment card and personal information and electronic cash or value in a personal computer or a centralized database; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidental 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, pre-paid cards and payment 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 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, pre-paid cards and payment cards

Financial services; banking and credit services; providing payment card services; stored value electronic purse services; facilitating person-to-person payment services through electronic means; payment services involving micro-payments to Internet retailers, merchants and content providers with transaction information stored in a centralized database; providing micro-payment services for Internet content, including electronic documents, photographs and information; electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, travel insurance services; transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); travel insurance services; cheque verification services; issuing and redemption services all relating to travellers' cheques and travel vouchers; advisory services relating to all the aforesaid services