Apparatus for recording, transmission or reproduction of sound and images; portable telephones; Mobile telephones incorporating cameras and video cameras; Mobile telephones incorporating television broadcasting receiving functions; mobile telephones incorporating radio broadcasting receiving functions; Mobile telephones incorporating identification card functions; mobile telephones incorporating credit card functions; multifunctional mobile telephones; Computer programs for mobile phone communication; Computer game programs; Encoded magnetic cards; blank smart cards; optically read encoded magnetic cards; Pre-paid telephone calling cards, magnetically encoded; Magnetically encoded credit cards; Magnetically encoded identity cards; Contactless card systems, comprised of a credit card sized-card featuring an integrated circuit chip and battery which is read by a contactless reading machine for use as railway tickets, credit and identification cards; Portable and handheld digital electronic devices for recording, organizing, transmitting, manipulating, and reviewing text, data and audio files; Computer software for portable and handheld digital electronic devices for recording, organizing, transmitting, manipulating, and reviewing text, data, audio, image, and video files; Electronic payment terminals; Radio frequency identification (RFID) tags; Radio frequency identification tag readers

Incentive award programs relating to the use of credit cards, charge cards, cash cards, debit cards, payment cards, financial cards, and purchase cards, to promote the sale of products and services of others; Administration of a discount program for enabling participants to obtain discounts on hotel, restaurant, cinema, theater, sporting event and other leisure activity services through use of a discount membership card; Administration of a discount program for enabling participants to obtain discounts on travel services through use of a discount membership card; Administration of a discount program for enabling participants to obtain discounts on retail outlet goods and services through use of a discount membership card; Administration of a discount program for enabling participants to obtain discounts on the goods and services of others through use of a discount membership card

Stored value card services; Pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; Payment processing services, namely, credit card transaction processing services provided on-line via a computer database, via telecommunications and at point of sale; Credit card verification; Providing information on electronic credit card transactions listed in credit card statements; Credit card payment processing services for the support of retail services provided through mobile telecommunications means and wireless devices; Credit card payment processing, credit card transaction processing, and credit card verification services for the support of retail services provided on-line, through networks and other electronic means, using electronically digitized information; Issue of tokens of value for use in a membership scheme or program

Data encryption services, namely, encryption and decryption of data containing financial information

Providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; Providing user authentication services in e-commerce transactions