computer programs for facilitating payment transactions by electronic means; financial management software; gift certificates being magnetically encoded gift cards; gift tokens being magnetically encoded gift cards; chip cards; encoded cards, magnetic cards and smart cards [integrated circuit cards]; Computer software and application software; Computer software and application software for e-commerce platforms that accommodate multiple types of payment and debt transactions in an integrated mobile phone, smart phone, mobile device, tablet computer, personal computer, and web based environment, including for buying, displaying, exchanging, redeeming, selling, sending, storing and transferring electronic gift cards, coupons, tokens, vouchers and other stored value cards and virtual currencies, as well as for uploading information from physical gift cards, coupons, tokens, vouchers and stored value cards; Computer software and application software for digital wallets, including for storing information and credentials to access gift cards, coupons, tokens, vouchers and other stored value cards and virtual currencies, as well as to obtain loyalty or monetary rewards; Computer software and application software for integration of electronically stored gift cards, coupons, tokens, vouchers and other stored value cards and virtual currencies with digital wallets; Computer software and application software for secure data storage, encryption, retrieval and transmission of account, personal and other information and credentials; Computer software and application software for analysing the use of gift cards, coupons, tokens, vouchers and other stored value cards and virtual currencies; Computer software and application software for payment systems, including payments via mobile devices; Cards, gift cards, coupons, tokens, vouchers and other stored value cards in electronic form (downloadable); Databases

business management; organization, operation and supervision of loyalty and incentive schemes; advertising; sales promotion; marketing and promotional services; business administration services; administrative services; business information; data collection; collection of financial information; commercial consultancy; commercial information; financial marketing; Advertising and promoting gift cards, coupons, tokens, vouchers, stored value cards, virtual currencies, loyalty and monetary rewards of others; Advertising and promoting the goods and services of others; Business management or administration services for providing distribution channels for gift cards, coupons, tokens, vouchers and other stored value cards and virtual currencies; Providing a marketplace for gift cards, coupons, tokens, vouchers and other stored value cards and virtual currencies via a website; Business administration services relating to gift cards, coupons, tokens, vouchers and other stored value cards and virtual currencies; Business information services in the nature of monitoring, analysing, forecasting and reporting of cardholder purchasing behaviour; Administration, management and organisation of customer loyalty and reward programmes and schemes; Sales promotions through customer loyalty and reward programmes and schemes (for others); Compiling, maintaining, managing and updating information in computer databases