Computer hardware and/or computer software for facilitating electronic payment transactions over wireless networks, global computer networks and/or mobile telecommunications devices; Computer hardware and/or software, in particular for the development, maintenance and use of local and wide area computer networks; Computer hardware and/or computer software comprising a digital portfolio enabling the storage of customer account information in order to access vouchers, voucher codes and/or discounts at retailers and/or to obtain loyalty or cash rewards that can be credited to their accounts; Computer hardware and/or computer software enabling the identification and authentication of near-field communication devices and/or radio-frequency identification devices; Computer hardware and encryption software; encryption keys; Computer software for creating digital certificates; Computer software for creating digital signatures; computer software for secure data storage and/or retrieval and transmission of confidential customer information used by individuals and/or banking and financial institutions; Recorded computer operating programs; Downloadable computer programs and computer software applications for mobile telephones and/or other digital devices comprising a digital portfolio enabling users to access price comparison information, product reviews, links to the retail websites of others, and/or discount information; Computer software (recorded programs); Downloadable software; Computer software and computer hardware (downloadable/recorded computer software); Computer software for use in financial services; Computer software for use in the banking and/or telecommunications industries; Computer software for connecting to smart cards using terminals and readers; Encoded Loyalty Cards; Recorded/downloadable computer software and computer hardware for facilitating and managing payments, transfers, credit cards, debit cards, payment cards, automated teller machines (ATMs) and/or deposits of valuables; Recorded/downloadable computer software and computer hardware for facilitating and managing electronic funds transfers, electronic payments, electronic transmission and processing of payment data, cash payments, transaction authentication, routing, authorization and payment, fraud detection and control, disaster recovery and encryption; Computer software applications for use in connection with contactless payment terminals, enabling vendors to accept contactless mobile commercial transactions, contactless presentation of loyalty rewards, contactless discount vouchers, reductions, discounts, coupons and/or special offers; Computer software applications enabling vendors to send vouchers, reductions, discounts, coupons and/or special offers directly via the mobile telecommunications devices of consumers, sent by contactless communications; Computer software applications enabling vendors to display smart posters in retailing and/or wholesaling outlets that can be read by the mobile telecommunications devices of consumers in order to access vouchers, reductions, discounts, coupons and/or special offers sent by contactless radio-frequency identification device or near field communication device communications; Application software for mobile phones; Application software for wireless devices; Fixed and hand-held electronic and computer apparatus and instruments for payment and collection; Electronic cash cards; Apparatus for tracking, management and analysis of financial accounts via a global computer network; Apparatus for recording, transmission or reproduction of sound or images; integrated circuit chips for use in mobile phones and near field communication and radio-frequency identification devices; Computer chips integrated into telephones and other communications devices; Point-of-sale transaction terminals and computer software for the transmission, display and/or storage of transactions, financial information and/or authentication information for the use of financial services, banking services and/or telecommunications industries; Computer terminals; Radio frequency identification devices (transponders); Computer peripheral devices and electronic goods, namely calculators, pocket planners, mobile telephones, telephone handsets, tablet computers, digital players, personal digital assistants and/or alarms; Electronic encryption units; Recording substrates [magnetic]; proximity payment devices; Encoders and decoders; Downloadable electronic publications; downloadable data files (literary, audio, video, audiovisual, multimedia); Non-downloadable data files (literary, audio, video, audiovisual, multimedia); Modems; Printing apparatus including printing apparatus for data processing systems and financial transaction systems; Computer hardware; Telecommunications equipment; Coin-operated mechanisms; Cash registers; Accounting machines; Data-processing equipment; Computers; Mouse pads; Magnetic encoded cards and integrated circuit cards (smart cards) for commercial and/or financial purposes; Security encoded cards; Cards encoded with security features for authentication purposes; Cards encoded with security features for identification purposes; Hologram impregnated cards; Debit cards; ATM cards; Pre-paid and rechargeable cards; Bank cards; Credit cards; Chip cards; Stored value cards; Electronic data carrier cards; payment card readers; Magnetic coded card readers; Readers for electronic data carrier cards; Electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; Scientific, nautical, surveying, photographic, cinematographic, optical, weighing, measuring, signaling, checking (supervision) and life-saving and teaching apparatus and instruments; Apparatus and instruments for conducting, switching, transforming, accumulating, regulating or controlling electricity; Apparatus for recording, transmission and reproduction of sound or images; Systems for reading memory cards and systems for reading data in memories including integrated circuit memories and/or banking card memories; recording discs, compact discs, digital video discs and/or any other means of digital recording; ATMs; memory or microprocessor cards for commercial and financial use; smart, memory or microprocessor loyalty cards; coded magnetic loyalty cards; interfaces (computing); computer hardware and/or software facilitating access to payment accounts, particularly for electronic and wireless commerce; computer hardware and/or software data management; computer hardware and/or software for encryption, storage of secure data, retrieval and/or transmission of information, in particular concerning customers, accounts and transactions; software in particular in the field of banking services, financial affairs and/or business management; software relating to the management of financial transactions; mobile phone software applications in particular in the field of banking services, financial affairs and/or business management; application software; downloadable computer software applications particularly in the field of banking services, financial affairs and/or business management; application software downloaded via the Internet for rental activities, financial rental and/or leasing for capital goods; publications in electronic format.

Business management; Business administration; Business consulting; Business analysis; Business research; Business information or enquiries; Business assistance; Business appraisal; Business information services relating to the rental, leasing and/or leasing for capital goods; Business services, namely, providing computer databases regarding the purchase and sale of a wide variety of products and services related to financial affairs of others; Customer account management; Accounting; Computerized file management; Data searches in computerized files; Office functions; Economic information services for business purposes; Provision of commercial business information by means of a computer database; Systemization of information into computer databases; Collection and compilation of data in relation to capital goods; Organization, conducting and management of customer loyalty schemes; Commercial customer loyalty services (for others), namely, Customer loyalty promotion and advertising operations; Sales promotion (for others); Presentation of goods and services on all means of communication for retailing; Arranging subscriptions to a loyalty program; Administrative and/or commercial customer relationship management; Retail services connected with the sale of computer software for financial transactions; Loyalty card services not associated with a payment, credit or debit function, procuring commercial or financial advantages; Market studies and market research; polling, surveys and consumer satisfaction surveys; Analysis and processing of data obtained from market research and consumer behavior studies; Statistics information; Arranging newspaper subscriptions (for others); Arranging and conducting of congresses, colloquiums, seminars, conferences, exhibitions, shows, contests and/or sports competitions for commercial or advertising purposes; Advertising; On-line advertising on a computerized communications network; Distribution of prospectuses and samples; Business advertising, canvassing for the dissemination of transferable securities; Rental of advertising time, facilities and/or space on communication media of all kinds; Publication of publicity texts; Dissemination of advertisements and advertising material; Price comparison services; Monitoring, analysis, forecasting and/or reporting of the behavior of card holders; Preparation of statements of accounts; Public relations services; Financial records management; Information, advisory and consultancy services relating to all the aforementioned services.