Magnetic encoded cards and cards with integrated circuits (smart cards); charge cards, bank cards, credit cards, debit cards and payment cards all encoded; card readers; telecommunications appliances; point of sale transaction terminal; electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; radio frequency identification devices (transponders)

Insurance services; providing credit card, debit card, charge card and stored value prepaid card services; automated banking services relating to credit card transactions; issuance of stored value cards for small amounts (electronic wallets), electronic capital and foreign currency transfer, electronic payment transactions; issuance of prepaid phone cards; travel insurance