Downloadable software, for desktop computers and mobile devices, used for electronic money issuance, for interfacing to services enabling cash to be placed in a payment account and operations relating to payment accounts, for interfacing to services enabling cash withdrawals from a payment account, for enabling transactions involving direct debits, for enabling payments executed through a payment card, for enabling credit transfers, and for enabling payment instruments and acquiring payment transactions; downloadable software, for desktop computers and mobile devices, used for currency conversion and exchange; downloadable software, for desktop computers and mobile devices, used for, money transfers from one customer's account to another customer's account, money transfers between accounts belonging to the same customer, bill payments and bank wires; downloadable software, for desktop computers and mobile devices, used for making reservations and bookings for transportation over computer networks and global communication networks; downloadable software, for desktop computers and mobile devices, used for booking tours, hotel stays, apartment stays and travel; downloadable software, for desktop computers and mobile devices, used for upgrades of airline tickets; downloadable software, for desktop computers and mobile devices, used for airline priority check-in and airline seat selection; downloadable software, for desktop computers and mobile devices, used for booking of airline, car rental, apartment vacation rental, cruise and tour package travel reservation services via a global computer network

Setup and maintenance of multi-currency payment accounts, namely, electronic money issuance, services enabling cash to be placed in a payment account and operations relating to payment accounts, services enabling cash withdrawals from a payment account, transactions involving direct debits, payments executed through a payment card, credit transfers, issuing payment instruments and acquiring payment transactions; currency conversion and exchange; credit card processing of incoming and outgoing payments in multiple currencies; payment processing in multiple currencies with fraud detection; bulk payment processing for currency exchanges; remittance services to businesses and consumers, namely, money transfers from one customer's account to another customer's account, money transfers between accounts belonging to the same customer, bill payments and bank wires

Travel agency services, namely, making reservations and bookings for transportation over computer networks and global communication networks; organizing and arranging transportation for tours, hotel stays, apartment stays and travel; making transportation reservations for tours, cruises, hotel stays, apartment stays and travel; providing services for upgrades of airline tickets; providing services for airline priority check-in and airline seat selection; providing transportation information about cruises, tours, hotels, apartment vacation rentals, car rentals and travel; travel agency services, namely, making reservations, lounge passes, airport transfers, bookings and upgrades for air travel and car rentals; airline, car rental, apartment vacation rental, cruise and tour package travel reservation services via a global computer network