Computer software and computer programmes for facilitating secure identity authentication and transaction authorisation and validation of payment and electronic transactions; computer software and computer programmes for the authentication of identities and validation and authorisation of electronic payments and transactions; cloud computing software for facilitating secure identity authentication and transaction authorisation and validation of payment and electronic transactions; cloud computing software for the authentication of identities and validation and authorisation of electronic payments and transactions; computer software and computer programmes for facilitating secure identity authentication; computer software and computer programmes for the authentication of individuals’ and entities’ identities; cloud computing software for facilitating secure identity authentication; cloud computing software for the authentication and validation of individuals’ and entities’ identities; privacy software and privacy protection software; computer software and computer programmes for keeping personal data private and confidential; computer software and computer programmes for protecting the personal data of individuals and entities; cloud computer software and computer programmes for keeping personal data private and confidential; cloud computer software and computer programmes for protecting the personal data of individuals and entities; computer software and computer programmes for fragmenting data; cloud computer software and computer programmes for fragmenting data; computer software for accessing and using cloud computing networks; computer software for developing and operating cloud computer networks; applications and computer software platforms for cloud computing networks and applications; telecommunications apparatus for the provision of financial and banking services; apparatus for electronic payment processing; hand-held devices for enabling payments and processing of personal information; data storage apparatus.

Computer programming in the field of authentication, validation and authorisation software and data encryption and fragmentation for use in online transactions and payments; computer programming in the field of protection, authentication, validation and authorisation of individuals’ and entities’ identities; computer programming in the field of software and data encryption and fragmentation for use in the field of protection, authentication, validation and authorisation of individuals’ and entities’ identities; computer programming in the field of fragmentation of data; computer consultancy and advisory services relating thereto in the field of authentication and validation and authorisation software and data encryption and fragmentation for use in online transactions and payments; computer consultancy and advisory services relating thereto in the field of protection, authentication, validation and authorisation of individuals’ and entities’ identities; providing temporary access to and use of online (non-downloadable) software for processing electronic payments and for the authentication, validation and authorisation thereof; providing temporary access to and use of online (non-downloadable) software for authentication, validation and authorisation of individuals’ and entities’ identities; electronic data storage of data relevant to consumers, merchants and their transactions; electronic data storage of data and fragmented data relevant to individuals and entities; online data storage of fragmented and personal data; design and development of data storage systems and distributed data storage systems; data security services; design and development of data security systems; providing on-line non-downloadable operating software for accessing and using a cloud computing network; cloud computing services for facilitating secure identity authentication and transaction authorisation and validation of payment and electronic transactions; cloud computing services for facilitating secure identity authentication; cloud computing services for the authentication of identities and validation and authorisation of electronic payments and transactions; cloud computing services for the authentication of identities; electronic data storage of the data relevant to consumers, merchants and their transactions.

Computer software and computer programmes for facilitating secure identity authentication and transaction authorisation and validation of payment and electronic transactions; computer software and computer programmes for the authentication of identities and validation and authorisation of electronic payments and transactions; cloud computing software for facilitating secure identity authentication and transaction authorisation and validation of payment and electronic transactions; cloud computing software for the authentication of identities and validation and authorisation of electronic payments and transactions; computer software and computer programmes for facilitating secure identity authentication; computer software and computer programmes for the authentication of individuals' and entities' identities; cloud computing software for facilitating secure identity authentication; cloud computing software for the authentication and validation of individuals' and entities' identities; privacy software and privacy protection software; computer software and computer programmes for keeping personal data private and confidential; computer software and computer programmes for protecting the personal data of individuals and entities; cloud computer software and computer programmes for keeping personal data private and confidential; cloud computer software and computer programmes for protecting the personal data of individuals and entities; computer software and computer programmes for fragmenting data; cloud computer software and computer programmes for fragmenting data; computer software for accessing and using cloud computing networks; computer software for developing and operating cloud computer networks; applications and computer software platforms for cloud computing networks and applications; telecommunications apparatus for the provision of financial and banking services; apparatus for electronic payment processing; hand-held devices for enabling payments and processing of personal information; data storage apparatus.

Computer programming in the field of authentication, validation and authorisation software and data encryption and fragmentation for use in online transactions and payments; computer programming in the field of protection, authentication, validation and authorisation of individuals' and entities' identities; computer programming in the field of software and data encryption and fragmentation for use in the field of protection, authentication, validation and authorisation of individuals' and entities' identities; computer programming in the field of fragmentation of data; computer consultancy and advisory services relating thereto in the field of authentication and validation and authorisation software and data encryption and fragmentation for use in online transactions and payments; computer consultancy and advisory services relating thereto in the field of protection, authentication, validation and authorisation of individuals' and entities' identities; providing temporary access to and use of online (non-downloadable) software for processing electronic payments and for the authentication, validation and authorisation thereof; providing temporary access to and use of online (non-downloadable) software for authentication, validation and authorisation of individuals' and entities' identities; electronic data storage of data relevant to consumers, merchants and their transactions; electronic data storage of data and fragmented data relevant to individuals and entities; online data storage of fragmented and personal data; design and development of data storage systems and distributed data storage systems; data security services; design and development of data security systems; providing on-line non-downloadable operating software for accessing and using a cloud computing network; cloud computing services for facilitating secure identity authentication and transaction authorisation and validation of payment and electronic transactions; cloud computing services for facilitating secure identity authentication; cloud computing services for the authentication of identities and validation and authorisation of electronic payments and transactions; cloud computing services for the authentication of identities.