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Computer hardware; computer hardware and software for facilitating payment transactions by electronic means; computer software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; blank magnetic data carriers; blank magnetic encoded cards containing an integrated circuit chip; encoded electronic chip cards containing programming used to enable financial transaction including bill payment; smart card readers; chip card readers; point of sale transaction terminals; computer software to enable smart cards to interact with card readers and point of sale terminals; computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; telecommunications apparatus and devices, namely, telephones, mobile telephones; electronic apparatus and devices for processing, logging, storing, transmitting, retrieving and receiving data, namely, computers, data processors; integrated circuits; semiconductor chips

Financial services, namely, banking services; credit services, namely, credit card services, consumer lending services; electronic payment services including payment services via wireless devices, namely, bill payment services, electronic processing and transmission of bill payments data; bill payment services; electronic fund and currency transfer services; financial transaction authorization and settlement services; financial services provided via mobile telecommunication, namely, bill payment services, money transfer services, financial transaction authorization; providing information, advice and consultancy regarding the aforesaid services

Telecommunication services, namely, personal communication services; data communication services, namely, electronic and computer-aided transmission and reception of data, including over the Internet; transmission of data by telecommunications networks; transmission of data from a computer-stored data bank via telecommunications networks enabling users to view and display that data on mobile telephones, computer monitors, televisions and personal digital assistants; providing multi-user access to a secure computerized information network containing a range of information in the field of financial services; providing information, advice and consultancy relating to the aforesaid services