SPAY

Downloadable computer programs for processing digitized payments, for use as a digital mobile wallet, and for use an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment for use with communication devices; computer software applications for processing digitized payments, for use as a digital mobile wallet, and for use an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment, downloadable; computer programs being downloadable software for processing digitized payments, for use as a digital mobile wallet, and for use an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; recorded computer software for processing digitized payments, for use as a digital mobile wallet, and for use an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; secure terminals for electronic transactions; electronic point of sale terminals for making contactless payments; downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; internet servers; banking cards being debit cards and credit cards, encoded and magnetic, namely, magnetically encoded blank bank cards for issuance by financial institutions; downloadable computer communication software to allow customers to access bank account information and transact bank business; computer terminals for banking purposes; downloadable computer programs for managing consumer banking accounts and financial investment accounts; downloadable computer programs for processing digitized payments, for use as a digital mobile wallet and for use an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment relating to financial matters; downloadable computer software for producing financial models; multi-functional electronic payment terminals; magnetically encoded payment cards being charge cards

Administrative processing of purchase orders; business appraisals; business investigations; business management assistance; business management consultancy; business organization consultancy; business research; commercial information agency services; commercial information and advice for consumers in the choice of products and services; commercial and industrial management assistance; compilation of advertisements for use as web pages on the internet; compilation of business directories for publishing on the internet; compilation of information into computer databases; compilation of statistics; cost price analysis; dissemination of advertising matter; marketing research; marketing service; on-line advertising on a computer network; price comparison services; procurement services for others, namely, procuring of contracts for the purchase and sale of goods and services for other businesses; providing business information via a web site; provision of an on-line marketplace for buyers and sellers of goods and services; providing commercial and business contact information; publication of publicity texts; rental of advertising time on communication media; sales promotion for others; search engine optimization for sales promotion; systemization of information into computer databases; updating and maintenance of data in computer databases; updating of advertising material; web site traffic optimization; financial auditing; financial statement preparation and analysis for businesses; administrative processing of insurance claims, featuring the tracking and monitoring of insurance claims for business purposes; promotion of insurance services, on behalf of third parties; information, advisory and consultancy services relating to the aforesaid services

Financial services via global communications networks, in particular, providing an internet website portal in the field of financial transaction and payment processing services; monetary services via global communications networks in particular providing an internet website portal in the field of financial transaction and payment processing services; financial electronic transaction services via global communications networks in particular providing secure commercial transactions and payment options; clearing and reconciling financial transactions electronically via global communications networks; payment administration services via global communications networks in particular processing of electronic wallet payments, credit card payments and debit card payments; electronic foreign exchange services in particular providing for the exchange of foreign currency; financial services for enabling transfer of funds and purchase of products and services offered by others, all provided via global communications networks, in particular, processing electronic payments made through prepaid cards and processing of electronic wallet payments, credit card payments and debit card payments; financial services being online banking services provided using electronic user authentication via global communications networks; financial services provided using electronic user authentication being electronic and wireless funds transfer, credit and debit card and electronic check processing all via global communication networks; electronic transfer of funds via global communications networks; financial services being providing an internet website portal in the field of financial transaction and payment processing services; financial risk management; financial planning; financial management; financial investment; financial data analysis; financial consultancy; financial asset management; providing financial information; financial transaction services in particular processing of electronic wallet payments, credit card payments and debit card payments; credit and loan services; financial consultancy relating to loans; financing and loan services; instalment loans; loan financing; loans against securities; mortgage loans; personal loan services; provision of commercial loans; provision of consumer loans; provision of loan and credit facilities being business loans; revolving loan services; insurance brokerage; insurance consultancy; banking; electronic banking; electronic banking via a global computer network being internet banking; investment banking; merchant banking; on-line banking; personal banking services; private banking; telephone banking; banking services relating to the deposit of money; processing payments for the purchase of goods and services via an electronic communications network for credit cards, debit cards and prepaid cards; electronic payment services in particular establishing funded accounts used to purchase goods and services on the Internet; electronic wallet payment services in particular processing of electronic wallet payments; bill payment services; raising of capital for others for business acquisitions and mergers; financial advisory services relating to business acquisitions and mergers; information, advisory and consultancy services relating to the aforesaid services

Services for communication by electronic means, namely providing electronic transmission of information stored in a database via interactively communicating computer systems; telecommunication services via computer network for the communication of information between data banks; telecommunications services being electronic bulletin board services; telecommunications consultancy; computer aided transmission of messages and images; transmission of digital files; providing internet chatrooms; streaming of data; streaming of digital media content on the internet; teleconferencing services; wireless broadcasting; transmission of news; providing access to databases; providing user access to global computer networks; rental of access time to global computer networks; providing on-line communications links which transfer the web site user to other local and global web pages; providing telecommunication channels for teleshopping services; telecommunication services relating to commerce, namely, providing electronic transmission of contactless payment data via the internet and providing electronic transmission of credit card transaction data and electronic payment data via a global computer network; telecommunication services relating to electronic payments, namely, providing electronic transmission of contactless payment data via the internet and providing electronic transmission of credit card transaction data and electronic payment data via a global computer network; telecommunication services relating to wireless payments, namely, providing electronic transmission of contactless payment data via the internet and providing electronic transmission of credit card transaction data and electronic payment data via a global computer network; information, advisory and consultancy services relating to the aforesaid services

Cloud computing featuring software for digital financial services, namely, for use an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; computer programming; computer security consultancy; computer software consultancy; computer software design; computer system design; computer systems integration services; computer technology consultancy; computer virus protection services; conversion of data or documents from physical to electronic media; data conversion of computer programs and data, not physical conversion; data encryption and decoding services; design and development of computer programs for mobile phones; design and development of computer software for computers; diagnosis of faults in computer programs; maintenance of computer software relating to computer security and prevention of computer risks; outsource service providers in the field of information technology; providing information relating to computer technology and programming via a web site; providing search engines for the internet; providing temporary use of on-line non-downloadable authentication software for communications with computers via global communication network; providing temporary use of on-line non-downloadable software for processing electronic payments; providing temporary use of on-line non-downloadable software for processing wireless payments; providing temporary use of online non-downloadable software for e-commerce for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; server hosting; software as a service (SaaS) featuring software for digital financial services, namely, for use an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; telecommunications technology consultancy; troubleshooting of computer software problems being technical support; updating of computer software relating to computer security and prevention of computer risks; web site design consultancy; web site design; providing temporary use of online non-downloadable software for analyzing financial data and generating reports; electronic monitoring of credit card activity to detect fraud via the internet; information, advisory and consultancy services relating to the aforesaid services