Insurance; financial affairs; monetary affairs; real estate affairs; financial services, in particular electronic money services, especially with prepaid e-money card services including issuing of (prepaid) virtual and physical credit and debit payroll, gift, corporate expense, general spend, money transfer, travel-forex, stored value, payroll, affiliate commission and instant issue cards; virtual and physical card account creation; loading and card-to-card transfers; electronic wallet creation and management; localised card funding or loading options; card to card transfer and mobile banking and payments as well as real time transaction authorisation, processing and reconciliation and automated card and pin issuing and distribution; financial and insurance services in relation to fraud protection and prevention; online payment and electronic money services; offering e-money accounts and e-money wallets as well as automated voucher systems; financial and monetary affairs, in particular electronic commerce payment services in relation to order-entry, shipping and billing for electronic ordering systems; financial transactions on the Internet; financial services within the operation of micro-accounting systems for the provisioning and use of services on the Internet (as well as via mobile and fixed-network telephones); financial information services; financial services in relation to payment switch and payment gateway, settlement and reconciliation for payments and transactions; electronic processing of payment; electronic value exchange services; secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce; electronic funds transfer; electronic funds transfer and currency exchange services; financial assessment and risk management services for others in the field of e-money and consumer credit and debit transactions; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through electronic networks; financial analysis and consultation; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; transaction authentication and verification services for payer; verification of financial information; remote payment services; stored value e-money wallet services, e-wallet account services, namely the provision of online electronic money accounts and services for consumers and online merchants whereby consumers fund their e-wallet accounts and consumers and online merchants (businesses) send and receive payments and remittances over an online network; e-money account processing, namely providing the consumers of merchants (businesses) who pay for goods using credit cards, debit cards or other prepaid payment cards with an e-wallet account for use in making secure payments to that business for future businesses; payment processing services or payment service provider services to on-line and other merchants; business consulting in financial matters; banking and finance services used via mobile telecommunication facilities (also payments and mobile authentication).

Value-added telecommunications services included in this class, in relation to providing mobile money through mobile devices; network-based value-added telecommunications services included in this class.

Scientific and technological services; design and development of computer hardware and software, especially software development of programmes for the handling of accounting systems and payment flows on the Internet; technical development, programming, software development and software maintenance for the development, implementation, operation and further development of payment and micro-accounting systems to enable the provisioning and use of services on the Internet (as well as via mobile and fixed-network phones); technical consultation services in the fields of computer programming, financial computer networks, data processing, secure communications, support and consultation services for managing computer systems, databases and applications; graphic design for the compilation of web pages on the Internet; the designing, creation and hosting of payment websites; verifications and information, in particular identity, address, e-mail and telephone number verification; automated KYC/ID verification system for e-money.