Computer software and computer programmes for facilitating secure identity authentication and transaction authorisation and validation of payment and electronic transactions; computer software and computer programmes for the authentication of identities and validation and authorisation of electronic payments and transactions; cloud computing software for facilitating secure identity authentication and transaction authorisation and validation of payment and electronic transactions; cloud computing software for the authentication of identities and validation and authorisation of electronic payments and transactions; computer software and computer programmes for facilitating secure identity authentication; computer software and computer programmes for the authentication of individuals' and entities' identities; cloud computing software for facilitating secure identity authentication; cloud computing software for the authentication and validation of individuals' and entities' identities; privacy software and privacy protection software; computer software and computer programmes for keeping personal data private and confidential; computer software and computer programmes for protecting the personal data of individuals and entities; cloud computer software and computer programmes for keeping personal data private and confidential; cloud computer software and computer programmes for protecting the personal data of individuals and entities; computer software and computer programmes for fragmenting data; cloud computer software and computer programmes for fragmenting data; computer software for accessing and using cloud computing networks; computer software for developing and operating cloud computer networks; computer software platforms and applications for cloud computing networks; telecommunications apparatus for the provision of financial and banking services; apparatus for electronic payment processing; hand-held devices for enabling payments and processing of personal information; data storage apparatus

Computer programming in the field of authentication, validation and authorisation software and data encryption and fragmentation for use in online transactions and payments; computer programming in the field of protection, authentication, validation and authorisation of individuals' and entities' identities; computer programming in the field of software and data encryption and fragmentation for use in the field of protection, authentication, validation and authorisation of individuals' and entities' identities; computer programming in the field of fragmentation of data; computer consultancy and advisory services relating thereto in the field of authentication and validation and authorisation software and data encryption and fragmentation for use in online transactions and payments; computer consultancy and advisory services relating thereto in the field of protection, authentication, validation and authorisation of individuals' and entities' identities; providing temporary use of online (non-downloadable) software for processing electronic payments and for the authentication, validation and authorisation thereof; providing temporary use of online (non-downloadable) software for authentication, validation and authorisation of individuals' and entities' identities; electronic data storage of data relevant to consumers, merchants and their transactions; electronic data storage of data and fragmented data relevant to individuals and entities; online data storage of fragmented and personal data; design and development of data storage systems and distributed data storage systems; data security services; design and development of data security systems; providing on-line non-downloadable operating software for accessing and using a cloud computing network; cloud computing services for facilitating secure identity authentication and transaction authorisation and validation of payment and electronic transactions; cloud computing services for facilitating secure identity authentication; cloud computing services for the authentication of identities and validation and authorisation of electronic payments and transactions; cloud computing services for the authentication of identities; electronic data storage of the data relevant to consumers, merchants and their transactions