Insurance; Financial affairs; Monetary affairs; Real estate affairs; Financial services (including e-money), especially with prepaid e-money card services like issuing of (prepaid) virtual and physical credit and debit payroll, gift, corporate expense, general spend, money transfer, travel-forex, stored value, payroll, affiliate commission and instant issue cards; Virtual and physical card account creation; Loading and card-to-card transfers; Electronic wallet creation and management; Localised card funding or loading options; Card to card transfer and mobile banking and payments as well as real time transaction authorisation, processing and reconciliation and automated card and pin issuing and distribution; Financial and insurance services in relation to fraud protection and prevention; Online payment methods and e-money issuing; Virtual and physical card account creation as well as automated KYC/ID verification system for e-money; Offering e-money accounts and e-money wallets as well as automated voucher systems; Services in financial and monetary matters, especially services by electronic commerce providers, such as order-entry and shipping services as well as billing for electronic ordering systems; Financial transactions by transfer of payment flows on the internet; Financial services within the operation of micro-accounting systems for the provisioning and use of services on the internet (as well as via mobile and fixed-network telephones); Client profile information services, and related switching, gateway, settlement/reconciliation, and funds movement services in the field of payment cards, electronic payment processing services, value exchange services; Secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce; Electronic funds transfer; Financial records management; Electronic funds transfer and currency exchange services; Financial assessment and risk management services for others in the field of e-money and consumer credit and debit transactions; The provision of financial services for the support of retail services provided through mobile telecommunications means, namely, payment services through wireless devices; The provision of financial services for the support of retail services provided on-line, through electronic networks; Financial analysis and consultation; Processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; Payer authentication services; Verification of financial information; Maintenance of financial records; Remote payment services; Stored value e-money wallet services, e-wallet account services, namely the provision of online electronic money accounts and services for consumers and online merchants whereby consumers fund their e-wallet accounts and consumers and online merchants (businesses) send and receive payments and remittances over an online network; E-money account processing, namely providing the consumers of merchants (businesses) who pay for goods using credit cards, debit cards or other prepaid payment cards with an e-wallet account for use in making secure payments to that business for future businesses; Payment processing facilities or payment service provider services to on-line and other merchants (businesses); Business consulting in financial matters.

Added-value telecommunications services included in class 38, in relation to providing mobile money through mobile devices; Network-based added-value telecommunications services included in class 38; Banking and finance services used via mobile telecommunication facilities (also payments and mobile authentication).

Scientific and technological services; design and development of computer hardware and software, especially software development of programmes for the handling of accounting systems and payment flows on the internet; Technical development, programming, software development and software maintenance for the development, implementation, operation and further development of payment and micro-accounting systems to enable the provisioning and use of services on the internet (as well as via mobile and fixed-network phones); Technical consultation services in the fields of computer programming, financial computer networks, data processing, secure communications, support and consultation services for managing computer systems, databases and applications; Graphic design for the compilation of web pages on the internet; The designing, creation and hosting of payment websites.

Financial services (including e-money), especially with prepaid e-money card services like issuing of (prepaid) virtual and physical credit and debit payroll, gift, corporate expense, general spend, money transfer, travel-forex, stored value, payroll, affiliate commission and instant issue cards; virtual and physical card account creation; loading and card-to-card transfers; electronic wallet creation and management; localised card funding or loading options; card to card transfer and mobile banking and payments as well as real time transaction authorisation, processing and reconciliation and automated card and pin issuing and distribution; financial fraud protection and prevention; online payment methods and e-money issuing; virtual and physical card account creation as well as automated KYC/ID verification system for e-money; offering e-money accounts and e-money wallets as well as automated voucher systems; services in financial and monetary matters, especially services by electronic commerce providers, such as order-entry and shipping services as well as billing for electronic ordering systems; financial transactions by transfer of payment flows on the internet; loading and card-to-card transfers; financial services within the operation of micro-accounting systems for the provisioning and use of services on the internet (as well as via mobile and fixed-network telephones); client profile information services, and related switching, gateaway, settlement/reconciliation, and funds movement services in the field of payment cards, electronic payment processing services, value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce, electronic funds transfer, financial records management, electronic funds transfer and currency exchange services, financial assessment and risk management services for others in the field of emoney and consumer credit and debit transactions; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through electronic networks; financial analysis and consultation; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; payer authentication services; verification of financial information; maintenance of financial records; remote payment services; stored value e-money wallet services, e-wallet account services, namely the provision of online electronic money accounts and services for consumers and online merchants whereby consumers fund their ewallet accounts and consumers and online merchants (businesses) send and receive payments and remittances over an online network; e-money account processing, namely providing the consumers of merchants (businesses) who pay for goods using credit cards, debit cards or other prepaid payment cards with an e-wallet account for use in making secure payments to that business for future businesses; payment processing facilities or payment service provider services to on-line and other merchants (businesses); business consulting in financial matters.

Added-value telecommunications services included in class 38, especially mobile money services; network-based added-value telecommunications services included in class 38; banking and finance services used via mobile telecommunication facilities (also payments and mobile authentication).

Scientific and technological services; design and development of computer hardware and software, especially software development of programmes for the handling of accounting systems and payment flows on the internet; technical development, programming, software development and software maintenance for the development, implementation, operation and further development of payment and micro-accounting systems to enable the provisioning and use of services on the internet (as well as via mobile and fixed-network phones); technical consultation services in the fields of computer programming, financial computer networks, data processing, secure communications, support and consultation services for managing computer systems, databases and applications; graphic design for the compilation of web pages on the internet; the designing, creation and hosting of payment websites.