DIGIO

(Based on Sections 1(b) and 44(e)) Electronic apparatus in the nature of a magnetic coded card reader for verifying authentication of reloadable magnetic coded cards, in the nature of bank cards, debit cards, prepaid cards, payment cards, and charge cards, in particular, magnetic coded cards used with passwords, through digital wallet or contactless payment; magnetically encoded charge cards containing integrated circuit chip programmed for contactless and proximity payment devices being transponders; magnetically encoded charge cards; magnetically encoded pre-paid charge cards, bank cards, credit cards, debit cards, and payment cards; reloadable magnetic coded cards, in the nature of bank cards, credit cards, debit cards, prepaid cards, and payment cards; magnetically encoded stripe payment cards, and integrated circuit chip cards being blank smart cards; magnetic stripe cards begin magnetically encoded credit cards; optical scanners and encoded smart cards containing integrated circuit chips programmed for contactless and proximity payment devices being transponders; magnetically encoded stripe credit cards; downloadable software for the placement of digital certificates in prepaid cards, debit cards, payment cards, and credit cards; computer hardware and downloadable computer software for management of banking data; radio frequency identification devices, namely, transponders; wireless telecommunications equipment, namely, transponders; and electronic verification apparatus, namely, computer hardware and downloadable and recorded software for authentication of payment cards and bank cards; magnetically encoded credit cards, debit cards, and payment cards; telecommunications equipment, namely, electronic terminals for point-of-sale (POS) transactions and downloadable and recorded computer software for transmitting, displaying and storing electronic payment transaction data, personal identification and financial information for use by the financial services, telecommunications and banking industries; computer hardware comprising electronic scanners used with magnetic activation devices, namely, prepaid and credit cards; electronic key fobs used as a remote control apparatus attached to a key ring and transponder tags comprising an electronic circuit and a radio antenna used with electronic scanners; computer hardware and downloadable and recorded encryption software, for creating digital encryption keys, digital certificates, and digital signatures; downloadable and recorded software for data storage, security and restoration and transmission of confidential customer information used by individuals, banking and financial institutions; computer hardware in the form of devices containing an integrated circuit chip for contactless and proximity payment devices being transponders; computer hardware, computer peripherals equipment, and downloadable and recorded software for use in processing customer and merchant wireless payment transactions; computer hardware, downloadable and recorded software, and computer peripherals for the processing of wireless payments; computer hardware and downloadable and recorded software for. processing online payment transactions; downloadable and recorded computer software for facilitating small-value payments to global computer network retailers, merchants and content providers; computer hardware and downloadable and recorded software for data encryption and safe storage, restoration and transmission of customer, accounts and transaction information used by individuals, financial and banking institutions; computer hardware and downloadable and recorded software for payment processing and account access for ecommerce purposes; electronic card readers; electronic card readers for magnetically encoded cards and integrated circuit chip cards; point-of-sale (POS) computer terminals; downloadable and recorded computer software comprising digital or electronic payment software for storing records of payment cards, personal information, cash or electronic money in a personal computer or in a centralized database; downloadable and recorded computer software designed to enable smart cards to interface with terminals and electronic card readers; downloadable and recorded computer software to enable smart cards to operate with computer terminals and electronic card readers; downloadable and recorded computer software for transmission, display and storage of electronic transactions, personal identification and financial information for use in the financial services, banking and telecommunications industries; downloadable and recorded computer software designed to enable the interface of magnetic stripe cards, optical cards, and integrated-circuit chip cards with bank terminals and electronic card readers in the financial service industry; downloadable and recorded computer software and hardware for processing peer-to-peer payments; downloadable and recorded software used by individuals for storage, recovery, and transmission of customer confidential data and personal information; point-of-sale (POS) computer terminals and downloadable and recorded computer software for transmission, display and storage of transactions, personal identification data and financial information for use in financial and banking services and in the field of telecommunications

(Based on Section 1(b)) Business benefit card administration, namely, administration of a discount program for enabling participants to obtain discounts on the cost of services or receive improved services through use of a membership card; Administration of a discount program for enabling participants to obtain discounts on goods and services through use of a discount membership card; Incentive award programs to promote the sale of products and services of others; marketing services; Business administration of consumer loyalty programs; customer service management for others; Compilation of statistics for business or commercial purposes; targeted marketing services; organization of exhibitions for commercial and advertising purposes; administrative processing of purchase orders; Providing incentive award programs for customers through the issuance and processing of loyalty coupons for frequent use of participating businesses; sales promotion services for third parties; advertising services; provision of an online marketplace for buyers and sellers of goods and services; publicity agency services; Conducting employee incentive award programs to promote quality and productivity; administration of a discount program for enabling participants to obtain discounts from third party merchants on the cost of goods or services or receive improved services through use of a membership card; (Based on Sections 1(b) and 44(e)) account monitoring, namely, monitoring of exchange, installment payments, interest, accrued interest, compound interest, and advancing receivable, all related to prepaid account and payment account for others for account auditing purposes

(Based on Sections 1(b) and 44(e)) Affinity card administration, namely, financial administration of affinity credit card accounts; credit card administration, namely, financial administration of credit card accounts; debit card administration, namely, financial administration of debit card accounts; investment fund administration, namely, administration of payment account with income linked to the available account balance; meal voucher administration, namely, providing vouchers for payment of dining expenses; financial administration of debit cards with income linked to the available account balance; credit assessment and management, namely, financial risk assessment and management services; technical assistance in credit lines, namely, providing personal lines of credit; financial consultancy services, namely, credit inquiry and credit card registration, and providing assistance, advisory and information services all related to credit card issuance services; credit consultation in the nature of assistance, advisory and information services; borrowing assistance, advisory and information services being financial loan consultation services; financial risk assessment services; commercial banking services; banking services, namely, multi-service bank with or without commercial portfolio; financial clearing house services; cash banking services; redeeming meal vouchers of others for payment of dining-related goods or services; financial clearing house transaction processing services; deposit of valuables, namely, safe deposit box services; provision of credit for telephone calls, namely, issuing prepaid telephone calling cards; issuance of credit cards; arranging of loans; Financial services, namely, arranging of modified term loans designed to prevent home foreclosure; investment of funds for others; mutual funds brokerage services; financial management of refund payments, being reimbursement payments, to third parties; home-banking; equity capital investments; foreign exchange transactions; financial advice, namely, budget planning services; financial sponsorship of debit cards with income linked to the available account balance; financial research; credit card payment processing; debit card payment processing; provision of financial information through a website; banking services; online banking services; electronic wallet services, namely, processing of electronic wallet payments; financial services of reloading pre-paid magnetic credit cards, in particular, meal, grocery and fuel cards; wire transfer, namely, money wiring services; provision of banking consultation, advisory and information; provision of financial service information and financial planning content consultation, advisory and information; assistance, advisory and information in the field of personal finance; savings account services; financing services; investment of funds

(Based on Section 1(b)) Computer systems analysis; Computer security threat analysis for protecting data and computer programming services for data processing; electronic data storage; computer software updating; Computer security services in the nature of providing data authentication in the field of financial transactions using blockchain technology; off-site data backup; development of computer platform; duplication of computer software for others; computer software design; Design, development, and implementation of software for obtaining, maintenance and distribution of data from a database located on a global computer network; Platform as a service (PAAS) featuring computer software platforms for the prevention of fraudulent purchases; computer system design services; computer system design using agile development methods; Design, development, and implementation of software for authenticating digital signatures; provision of electronic signatures in the nature of data authentication in the field of financial transactions using digital passwords; Providing user authentication services using single sign-on technology for online software applications; Providing user authentication services using decentralized identity technology for e-commerce transactions; Software as a service (SAAS) services featuring software for managing prepaid debit cards with the receipt of amounts in the account