KROO

Data processing apparatus; electronic data processing apparatus; automated billing machines for processing account information; Electronic machines for reading credit cards and recording financial operations; Magnetic coded cards for use in financial transactions; Automatic teller machines; electronic payment terminal; multi-functional electronic payment terminals; Multi-functional computer terminals with payment function; Point-of-sale terminals for making contactless payments; Secure terminals for electronic transactions; Interactive computer kiosk systems comprised primarily of computers, computer hardware, computer peripherals, and computer touchscreens for use in monetary transactions; apparatus for recording, transmission and reproduction of sound or images; apparatus for processing card transactions and data relating thereto and for payment processing, namely, multifunction electronic payment terminals; apparatus for verifying data on magnetically encoded cards, namely, electronic card readers, chip card readers; blank cartridges, discs, tapes, and cards, all for collecting, processing and storing data and for bearing computer programs and data; blank magnetic data carriers; blank record discs; video recordings featuring instructions for using Data processing apparatus, electronic data processing apparatus, automated billing machines for processing account information, Electronic machines for reading credit cards and recording financial operations, Magnetic coded cards for use in financial transactions, Automatic teller machines, electronic payment terminal, multi-functional electronic payment terminals, Multi-functional computer terminals with payment function, Point-of-sale terminals for making contactless payments, Secure terminals for electronic transactions, Interactive computer kiosks comprising computers, computer hardware, computer peripherals, and computer operating software, all for use in monetary transactions; mechanisms for coin-operated apparatus; cash registers, calculating machines; apparatus for input, output, storage and processing of data, namely, computers; data processing equipment, namely, computers; downloadable computer software and programs, all for controlling the operations of Data processing apparatus, electronic data processing apparatus, automated billing machines for processing account information, Electronic machines for reading credit cards and recording financial operations, Magnetic coded cards for use in financial transactions, Automatic teller machines, electronic payment terminal, multi-functional electronic payment terminals, Multi-functional computer terminals with payment function, Point-of-sale terminals for making contactless payments, Secure terminals for electronic transactions, Interactive computer kiosks comprising computers, computer hardware, computer peripherals, and computer operating software, all for use in monetary transactions; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable payment gateway software for linking e-commerce websites to credit card processing networks; Downloadable computer communications software to allow customers to access bank account information and transact bank business; Downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; Downloadable mobile applications for managing bank accounts; Computer terminals for banking purposes; Card readers for credit cards; Magnetically encoded credit cards; Credit card encoding machines; Magnetically encoded charge cards; computer hardware; computer memories; computing apparatus, namely, computer peripherals; print-out apparatus, namely, document printers; document printers; magnetic cards, namely, blank magnetically encoded credit cards; magnetically encoded smart cards; telecommunications apparatus, namely, telephones; communications apparatus and installations, namely, modems

Registration services for credit cards, charge cards, cash cards, cheque guarantee cards, debit cards, payment cards, financial cards and purchase cards; user incentive schemes relating to the use of credit cards, charge cards, cash cards, debit cards, payment cards, financial cards and purchase cards, namely, promoting the sale of credit card accounts through the administration of incentive award programs

Insurance services, namely, life insurance underwriting; insurance brokerage services; actuarial services; Financial affairs and monetary affairs, namely, financial information, management and analysis services; real estate affairs, namely, real estate lending services; valuations and financial appraisals of property; housing services, namely, real property acquisition and property management services; rental, letting and lease of real estate properties; rental of office space; leasing services in relation to card payment services, namely, leasing of card readers for credit cards; banking services; administration of financial affairs, namely, administration of a debit card savings program; trustee services; charitable fund raising services; administration of mutual funds, namely, mutual fund planning services; mutual funds analysis services; cash management services; factoring agency services; Financing services, namely, invoice discounting services; Cash dispensing services in the nature of automated teller machine banking services; loan origination services; Auto loan brokerage services; Providing personal loans and lines of credit; Financial services, namely, corporate workout, debt restructuring, receivership, and loan resolution for commercial loans; Financial services, namely, vehicle title loans; Financing of loans; Providing student loans; Electronic loan preparation services; Arranging of loans; Lease-purchase loans; Credit and loan services; Home equity loans; Providing loans secured by commercial paper; Providing student loan information; Financial services, namely, loan default mitigation services; Installment loans; Loan financing; Providing temporary loans; Temporary loans; Security services, namely, guaranteeing loans; Financial services, namely, loss mitigation services for under- or non-performing mortgage loans; Revolving loans; Student loan services; Financial loan consultation; Financing and loan services; Mortgage foreclosure mitigation and loan default mitigation services, namely, acquisition and lease-back of real estate; Arranging and provision of credit, loans, insurance, currency exchange and travellers cheques; Advisory services relating to credit and debit control, investment, grants and financing of loans; Electronic loan origination services; Mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; Loans financing and discount of bills; Financial services, namely, money lending; Mortgage lending; Real estate lending services; Consumer lending services; Lending consultant services; Securities lending; mortgage financing services; mortgage banking services, namely, brokerage of mortgage loans; provision of loans against security; bail bonding services; Providing home equity lines of credit; Charge card and credit card payment processing services; Issuing prepaid credit cards; On-line banking services featuring electronic alerts that alert credit and debit card users when a single transaction exceeds a certain amount; Issuing of credit cards; Financial administration of credit card accounts; Financial services rendered in connection with the issuance, receipt and transfer of lines of credit, namely, credit processing services; Issuing of letters of credit; Financial services, namely, credit agencies featuring credit processing, namely, credit checking, credit analyzing, and financial reporting services; Credit card authorization services; Cash replacement rendered by credit card; Issuance of credit cards; Credit card factoring services; Credit card payment processing services; Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Fraud reimbursement services in the field of credit card purchases; Credit reporting services; Credit consultation; Financial services, namely, funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; Issuing credit cards; Credit card transaction processing services; Credit card verification; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Consumer credit consultation; Credit counseling services; Payment processing services in the field of credit card payments; Processing of credit card payments; Processing of contactless credit and debit card payments; Issuing of checks and letters of credit; Processing of credit card payments via near field communication technology-enabled devices; Electronic credit card transaction processing; Credit and cash card payment processing services; Credit inquiry and consultation; Credit card transaction processing services provided via mobile applications and website; Electronic debit card transaction processing; Issuing prepaid debit cards; Provision and financial administration of a debit card savings program; Processing of debit card payments; Debit card transaction processing services; Debit card transaction processing services provided via mobile applications and a website; lease purchase financing; hire purchase financing services; processing of payments for credit card, charge card, cash card, cheque guarantee card, payment card and debit card services; financial services being bank account services, namely, registration of users for credit cards, charge cards, cash cards, cheque guarantee cards, debit cards, payment cards, financial cards and purchase cards; Providing bank account information by telephone; Online banking; Merchant banking services; Banking and financing services; Issuance of bank checks; Bank tendering, namely, tendering of money; Telephone banking services; Banking services provided by mobile telephone connections; Issuing of bank cheques; Mortgage services, namely, buyer pre-qualification of mortgages for mortgage brokers and banks; On-line banking services; ATM banking services; Banking consultation; Electronic banking via a global computer network; Savings bank services; Home banking; Banking; Providing a website featuring information in the field of banking; Mortgage banking; Online banking services accessible by means of downloadable mobile applications; Providing banking information; banking services, namely, cash replacement rendered by credit card; issuing of tokens of value in relation to user incentive schemes relating to the use of credit cards, charge cards, cash cards, debit cards, payment cards, financial cards and purchase cards; rental, hire and leasing of equipment for processing financial transactions using credit card, charge card, cash card, cheque guarantee card, payment card and debit card cards and data relating thereto; electronic payment services involving electronic processing of data relating to credit card, charge card, cash card, cheque guarantee card, payment card and debit card transactions; Payment verification services; Payment and funds verification services; Financial transaction services, namely, providing secure commercial transactions and payment options; Merchant services, namely, payment transaction processing services; Processing electronic payments made through prepaid cards; Pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Money order payment guarantee services; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; Electronic processing of insurance claims and payment data; Provision of finance, namely, provision of financial information, provision of a debit card savings program, money exchange and money transmission services; currency exchange services, being, bureau de change services; Currency trading; On-line real-time currency trading; Currency transfer services; Currency exchange and advice; Financial services, namely, providing for the exchange of foreign currency, commodities, financial derivatives, interest rate products, and equities via the internet and intranet systems; foreign exchange services, namely, foreign exchange information services, providing for the exchange of foreign currency via the internet and intranet systems; merchant banking and investment banking services; investment and savings bank services; Capital investment; Investment of funds; Investment of funds for others in the fields of municipal bonds, securities, private and public equity; Investment advice in the fields of municipal bonds, securities, retirement, private and public equity; Investment consultation in the fields of municipal bonds, securities, retirement, private and public equity; Investment management in the fields of municipal bonds, securities, retirement, private and public equity; Investment risk assessment services; Financial and investment services, namely, asset and investment acquisition, consultation, advisory and development; Mutual fund investment; Commodity investment advice; Financial investment brokerage services; Providing financial services with respect to securities and other financial instruments and products, namely, trading of and investments in securities and financial instruments and products for others; Information, advisory, consultancy and research services relating to finance and investments; Real estate funds investment services; Financial investment analysis and stock research; Consultancy of capital investment; Mutual funds and capital investment; Capital investment services; Equity capital investment; Providing information and research in the field of finance and financial investments; Brokerage services in the field of securities and commodities investing; Financial planning and investment advisory services; Financial and investment services, namely, management and brokerage in the fields of stocks, bonds, options, commodities, futures and other securities, and the investment of funds of others; Financial services in the nature of an investment security; Investment banking services; Financial services, namely, investment fund transfer and transaction services; Fund investment consultation; Private equity fund investment services; Securities trading and investing services for others via the internet; Financial investment brokerage; Investment of funds for others; Investment management; Real estate investment services; Funds investment; Capital investment consulting; Investment consultation; Brokerage services for capital investments; Investment brokerage; Financial services, namely, investment advice, investment management, investment consultation and investment of funds for others, including private and public equity and debt investment services; Investment advice; Investment advisory services; Financial information provided by electronic means in the field of securities trading, investments, and lending; Advice relating to investments; Investment by electronic means; Investment consultancy; Financial planning for retirement; Providing information and advice in the field of finance, financial investments, financial valuations, and the financial aspects of retirement; Financial administration of retirement plans; Individual retirement account services; Financial retirement plan consulting services; Financial services, namely, administration of transactions involving funds drawn from securities, stocks, funds, equities, bonds, cash, or other types of financial investments in retirement plans using a check or negotiable order of withdrawal over a global data network; Financial services, namely, administration of transactions involving funds drawn from securities, stocks, funds, equities, bonds, cash, or other types of financial investments in retirement plans using a credit or debit card over a global data network; investment management services; financial and investment services, namely, brokerage of bonds, securities, commodities and futures; financial market information services; financial valuations, namely, securities valuation services; securities underwriting, namely, share underwriting services; securities lending services; dividend collection services; payment collection services; underwriting services, namely, insurance underwriting services for all types of insurance, securities underwriting, annuity underwriting; unit trust services, namely, mutual fund investment, fund investment consultation; investment trust services; securities management services, namely, providing financial services with respect to securities, namely, money management services; financial services, namely, personal equity planning services; Tax services, namely, tax payment processing services, payroll tax debiting services, tax lien management services, online, real-time tax payment processing, tax payment financial management, and tax payment financial analysis services, payment processing services in the field of tax payments; investment banking and financial management services; financial research services; pension fund service, namely, financial management of employee pension funds, namely, accounting services for pension funds; provision of financial information; electronic stock transfer services, namely, trading in securities; providing information, commentary and advice in the field of financial trusteeship, administration and valuation of financial investments; financial services, namely, lending against collateral provided via collateral agencies; securities custody services, namely, securities brokerage, trading in securities; safe custody services, namely, safe deposit box services; consultancy, information and advisory services in the field of finance; credit card payment processing services, namely, processing of data relating to card transactions and other payment transactions

Design and development of computer hardware and software; computer services, namely, hosting online web facilities for others for organizing and conducting online meetings, gatherings, and interactive discussions; computer services in the nature of designing customized web pages featuring user-defined information, personal profiles and information; computer services in the nature of hosting customized web pages featuring user-defined information, personal profiles and information; Providing temporary use of non-downloadable software applications for accessing bank account information through a website; advisory, consultancy and information services relating to all of the aforesaid services