9
Computer hardware, computer software and computer programs; 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 cards 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; electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards
36
Financial services; financial services, namely electronic processing of business-to-business payments and associated remittance data; providing electronic bill presentment and payment services to billers, customer service provider organisations and payment providers; providing secure electronic delivery of billing remittance data and funds generated by remote banking, walk-in payment providers, balance transfer providers, and credit counselling payment providers; electronic payment of bills via computer terminals connected to networks and the global computer network or the Internet; electronic funds and currency transfer services, transaction authorisation and settlement services; information, advisory and consultancy services relating to all the aforesaid
38
Telecommunication services; providing the secure electronic delivery of remittance data and funds; communication services; namely, processing and transmitting billing data over a computer information network or a global computer network or the Internet; electronic transmission of bills via computer terminals connected to networks and the global computer network or the Internet