ICM

Computer e-commerce software to allow users to perform electronic business transactions via a global computer network; smart codes containing programmed used to store and protect cardholder data; computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services and banking industries; computer software to enable smart cards, mobile phones and mobile devices to interact with terminals and card readers; computer software for transmitting, displaying and storing transactions, identifications and financial information for use in the financial services, banking and telecommunications industries; computer software for facilitating payment transactions by electronic means over wireless network, global computer networks and/or mobile telecommunications devices; downloadable software application for use in connection with contactless payment terminals for allowed merchants to accepts contactless mobile commercial transactions

Transaction settlement services, namely, negotiation and settlement of commercial transactions for third parties

Point of sale and point of transaction services, namely, providing secure commercial transactions and payment options using a payment card at the point of sale