Application software; computer software; reading devices for cards incorporating electronic chips; apparatus for payment with magnetically encoded cards; payment cards being magnetically encoded; magnetic cards for the recording of data; cards bearing electronically recorded data; cards incorporating electronic chips; computer cards containing chips; encoded cards for use in point of sale transactions; computer terminals for use with encoded cards at point of sale; cards encoded with security features for identification purposes; electronic identification cards for use in paying for services; electronic identification cards for use in obtaining services; electronic cards containing commercial information; automatic payment machines; terminals for electronically processing credit card payments; downloadable graphics for mobile phones; computer programs [downloadable software]; computer software downloaded from the Internet; computer software programs for database management; computer programmes (programs) and recorded software distributed online; computer software for wireless content delivery; personal computer software applications, downloadable; electronic publications including those sold and distributed online; computer software for authorising access to data bases; computer software for encryption; database programs

Electronic payment services; electronic money transfer services; money transfer services; computerised transfer of funds; computerised financial services; payment transaction card services; cash card services; issue of tokens of value; issuing of tokens of value in relation to customer loyalty schemes; issuing of tokens of value in relation to incentive schemes; financial services; financial affairs; monetary affairs; monetary transfer; processing of payments for banks; clearing house financial services; organisation of financial collections; collection of payments; financial payment services; payment administration services; payment of bills and accounts for others; arranging of insurance