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; 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; Magnetic encoded cards and cards containing an integrated circuit chip (smart cards), tokens , apparatus for data storage; encoded debit cards, encoded pre-paid cards, encoded reloadable cards, and encoded payment cards for financial applications; encoded cards for use in connection with loyalty or promotion schemes; card readers containing radio frequency identification devices for transmitting, displaying and storing payment information for use in connection with payment services computer software designed to enable smart cards to interact with terminals and readers; point of sale transaction terminals; electronic verification apparatus for verifying authentication of debit cards, reloadable cards, pre-paid cards; encoded keys, tokens

Management, organisation, operation and administration of loyalty and incentive schemes or programs to promote the sale of goods and services; business services including business management, administration and information services; business records keeping, namely, maintenance of financial records; appraisal, consultancy, information, management, research and organisation services all of the foregoing being business related; the supply of benefits in connection with loyalty and incentive schemes or programs; loyalty or reward programs involving discounts or incentives; management, organisation, operation and administration services in relation to the supply of benefits for customer loyalty or reward programs; bonus, loyalty and reward programs being the supply of gifts and rewards; Organisation and management of incentive and sales promotion programmes (frequent buyer); organisation, operation and supervision of sales and promotional incentive schemes; compilation and maintenance of direct mailing lists; promotion of incentive schemes; loyalty programs involving discounts or incentives; Advertising, in particular advertising for all kinds of goods, services, and cashless means of payment; procurement of commercial transactions and services included in this class; promotion of the sales of goods and services of third parties including by means of advertisement, sale promoting competitions, discounts and other incentives such as drawings, discounts, bonus points, cash, and surplus value offers; Data analysis services; Market research and survey services; Market information services; Market analysis services; Marketing advisory services, digital business strategy, customer relationship management, business modelling services in relation to advertising, sales promotion, media and retail location; advertising agency services; advertising, marketing, and promotion services; advertising and marketing consultation; sales promotion services; Marketing activities and initiatives for advertising and promotional purposes of charities, charitable fundraising and charitable services and members of an association; business consultancy services relating to the marketing of fund raising campaigns for sports sponsorship, teams, clubs, associations, groups, and organisations; provision of advice and information relating to marketing; business strategy services; Direct mail campaigns for fundraising purposes; compilation of direct mailing lists; direct mail advertising; promotion, marketing and management of fund raising and sponsorship campaigns; consultancy and information services, including online, in relation to the aforementioned services