Software including mobile channel (including mobile and smart phone) banking, payment, billing, remittance and funds transfer software; credit, debit and charge card management software; software in relation to e-commerce and e-commerce procurement services; software in relation to electronic communications services; software in relation to on-line processing and transactions management; software in relation to data security services including digital transaction and/or communication certification and/or authentication; software in relation to credit cards and debit cards; software designed to enable mobile communication devices containing an integrated circuit chip to interact with terminals and card readers; computer hardware, computer peripherals, mobile communication devices for use in electronic and wireless business and consumer transactions, namely computer hardware, peripherals and mobile communication devices to facilitate payments by electronic and wireless means; computer hardware and mobile communication devices in the nature of devices containing an integrated circuit chip and proximity payment devices; computer hardware for encryption and secure data storage and retrieval and transmission of customer, account and transaction information used by individuals and financial institutions; telecommunications equipment, namely electronic point of sale transaction terminals for transmitting displaying and storing transaction, identification, and financial information; electronic verification apparatus, namely computer hardware for authenticating charge cards, bank cards, credit cards, debit cards and payment cards; magnetically encoded cards; chip cards; smart cards; integrated circuit cards; magnetic strips and memory chips

Financial services including financial transaction services; electronic payment services; processing of financial transactions on-line via a computer database or via a global information network or via telecommunications or mobile devices or at the point of sale; banking services; information and advisory services related to the aforementioned services