Computer hardware, computer software and computer programs; computer hardware and software for facilitating payment transactions by electronic means; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded cards and card containing an integrated circuit chip ("smart cards"); charge cards, bank cards, credit cards, debit cards and payment cards; card readers; computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices (transponders); and electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; vending machines.

Insurance services; financial services; banking and credit services; providing credit card, debit card, charge card and stored value prepaid card services; remote payment services; stored value electronic purse services, providing electronic funds, currency transfer and money transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorisation and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); clearing and reconciling financial transactions via a global computer network; person -to-person and person-to-business money transfer and payment services transacted by means of a computer network; payroll and benefits payment services; payment remittance services; electronic transmission of money from customer to customer; electronic transmission of bill and payment data; travel insurance services; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitised information; services in the accessibility, storage and utilisation of a store of digitised information representing monetary value in hand-held technology accessible to use by an individual; electronic bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet \.

Insurance services; financial services; banking and credit services; providing credit card, debit card, charge card and stored value prepaid card services; remote payment services; stored value electronic purse services, providing electronic funds, currency transfer and money transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorisation and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); clearing and reconciling financial transactions via a global computer network; person-to-person and person-to-business money transfer and payment services transacted by means of a computer network; payroll and benefits payment services; payment remittance services; electronic transmission of money from customer to customer; electronic transmission of bill and payment data; travel insurance services; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitised information; electronic bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet.

Computer hardware, computer software and computer programs; computer hardware and software for facilitating payment transactions by electronic means; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded cards and card containing an integrated circuit chip ("smart cards"); charge cards, bank cards, credit cards, debit cards and payment cards; card readers; computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices (transponders); and electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; vending machines.

Insurance services; financial services; banking and credit services; providing credit card, debit card, charge card and stored value prepaid card services; remote payment services; stored value electronic purse services, providing electronic funds, currency transfer and money transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorisation and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); clearing and reconciling financial transactions via a global computer network; person-to-person and person-to-business money transfer and payment services transacted by means of a computer network; payroll and benefits payment services; payment remittance services; electronic transmission of money from customer to customer; electronic transmission of bill and payment data; travel insurance services; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitised information; services in the accessibility, storage and utilisation of a store digitised information representing monetary value in hand-held technology accessible to use by an individual; electronic bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet.