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Computer programs for configuring and/or controlling computers for accessing online information services or the internet; computer programs for backup and recovery of data and operating systems on computers; computer programs [downloadable software]; computer programs for searching the contents of computers and computer networks by remote control; computer programs for network management; computer hardware, computer software and computer programs, all relating to financial, banking and credit services; computer programs for transmitting, processing, manipulating and analysing data; computer programs for accessing and using the internet; computer programs for searching, indexing, filtering and retrieval of data; computer programs for configuring and/or controlling telecommunications equipment including terminal equipment, routers, modems, ISDN terminal adapters, multiplexors, demultiplexors, frame relay equipment and facsimile equipment; computer programs for using the internet and the world wide web; programs (computer -) [downloadable software]; 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; computer programs [downloadable software]; programs for data processing [software] stored on data carriers; software (computer -) [recorded]; computer software [recorded]; computer operating system software; computer apparatus and software for processing data