Insurance; financial affairs; monetary affairs; real estate affairs; financial consultancy; financial information; financial sponsorship; financial services, namely, banking, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services, cash disbursement, check verification, check cashing, deposit access and automated teller machine services, transaction authorization and settlement services, transaction reconciliation, cash management, consolidated funds settlement, consolidated dispute processing; financial information with respect to data repository and client profile information services; switching, gateway, settlement/reconciliation, and funds movement services in the field of payment cards; electronic payment processing services; payment transaction authentication and verification services; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce; providing financial information, namely credit and debit card data and reports; electronic funds transfer and currency exchange services; financial assessment and risk management services for others in the field of consumer credit; dissemination of financial information via a global computer network; financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; 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; banking and credit services; banking, payment, credit, debit, charge, cash disbursement, stored valued deposit access services; cheque verification; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; processing services for financial transactions by card holders via automatic teller machines; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; financial settlement and financial authorization services in connection with the processing of financial payment transactions; travel insurance services; issuing and redemption of travelers cheques and travel vouchers; payer authentication services; verification of financial information; maintenance of financial records; remote payment services; stored value electronic purse services, electronic payments services and transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of debit and credit services by means of communication and telecommunication devices; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitized information; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet; financial services, namely, the provision of contactless mobile payments through merchants at retail, online and wholesale locations; financial services, namely, providing a cloud-based digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts via a cash-back system; real estate property services; real estate valuations; real estate investment management; real estate investment services; real estate insurance services; insurance for property owners; insurance services relating to property; real estate financing; real estate brokerage; real estate appraisals; real estate agency services; evaluation of real estate; real estate administration; administration of financial affairs relating to real estate; provision of real estate loans; financing services relating to real estate development; financial brokerage services for real estate; financial services relating to real estate property and buildings; financial services for the purchase of real estate; arranging of loan agreements secured on real estate; arranging of shared ownership of real estate; arranging the provision of finance for real estate purchase; assisting in the acquisition of and interests in real estate; capital investment in real estate; commercial property investment services; financial services relating to the acquisition of property; financial services relating to the sale of property; financial valuation of freehold property; financial valuation of leasehold property; arranging letting of real estate; arranging of leases of real estate; leasing of property; leasing of real estate property; leasing of freehold property; estate management services relating to transactions in real property; valuation of property; property portfolio management; management of property; advisory services relating to real estate ownership; advisory services relating to real estate valuations; corporate real estate advisory services; computerized information services relating to real estate; consultation services relating to real estate; provision of information relating to real estate property; provision of information relating to the property market; research services relating to real estate acquisition; research services relating to real estate selection; mortgage financing and asset securitization; consulting services regarding payment solutions, banking, credit card, debit card and payment card; information, advisory and consultancy services relating to all the aforesaid services.

Insurance; financial affairs; monetary affairs; real estate affairs; financial consultancy; financial information; financial sponsorship; financial services, namely, banking, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services, cash disbursement, check verification, check cashing, deposit access and automated teller machine services, transaction authorization and settlement services, transaction reconciliation, cash management, consolidated funds settlement, consolidated dispute processing; financial information with respect to data repository and client profile information services; switching, gateway, settlement/reconciliation, and funds movement services in the field of payment cards; electronic payment processing services; payment transaction authentication and verification services; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce; providing financial information, namely credit and debit card data and reports; electronic funds transfer and currency exchange services; financial assessment and risk management services for others in the field of consumer credit; dissemination of financial information via a global computer network; financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; 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; banking and credit services; banking, payment, credit, debit, charge, cash disbursement, stored valued deposit access services; cheque verification; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; processing services for financial transactions by card holders via automatic teller machines; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; financial settlement and financial authorization services in connection with the processing of financial payment transactions; travel insurance services; issuing and redemption of travelers cheques and travel vouchers; payer authentication services; verification of financial information; maintenance of financial records; remote payment services; stored value electronic purse services, electronic payments services and transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of debit and credit services by means of communication and telecommunication devices; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitized information; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet; financial services, namely, the provision of contactless mobile payments through merchants at retail, online and wholesale locations; financial services, namely, providing a cloud-based digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts via a cash-back system; real estate property services; real estate valuations; real estate investment management; real estate investment services; real estate insurance services; insurance for property owners; insurance services relating to property; real estate financing; real estate brokerage; real estate appraisals; real estate agency services; evaluation of real estate; real estate administration; administration of financial affairs relating to real estate; provision of real estate loans; financing services relating to real estate development; financial brokerage services for real estate; financial services relating to real estate property and buildings; financial services for the purchase of real estate; arranging of loan agreements secured on real estate; arranging of shared ownership of real estate; arranging the provision of finance for real estate purchase; assisting in the acquisition of and interests in real estate; capital investment in real estate; commercial property investment services; financial services relating to the acquisition of property; financial services relating to the sale of property; financial valuation of freehold property; financial valuation of leasehold property; arranging letting of real estate; arranging of leases of real estate; leasing of property; leasing of real estate property; leasing of freehold property; estate management services relating to transactions in real property; valuation of property; property portfolio management; management of property; advisory services relating to real estate ownership; advisory services relating to real estate valuations; corporate real estate advisory services; computerized information services relating to real estate; consultation services relating to real estate; provision of information relating to real estate property; provision of information relating to the property market; research services relating to real estate acquisition; research services relating to real estate selection; mortgage financing and asset securitization; consulting services regarding payment solutions, banking, credit card, debit card and payment card; information, advisory and consultancy services relating to all the aforesaid services.

Computer hardware and software (recorded and/or downloadable) for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization, clearing and settlement services, fraud detection and control, disaster recovery and encryption services; telecommunication and electrical apparatus and instruments, namely, apparatus for the recording, transmission and reproduction of data including sound and images; apparatus for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software, namely, for the development, maintenance and use of local and wide area computer networks; systems for reading memory cards and systems for reading data in memories, namely, integrated circuit memories and banking card memories; encoders and decoders; computer hardware and software for facilitating payment transactions by electronic means over wireless networks, global computer networks and/or mobile telecommunications devices; computer software and hardware that facilitates the identification and authentication of near field communication (NFC) devices and radio frequency identification (RFID) devices; computer hardware and software comprising a digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts; downloadable computer programs and application software for mobile phones and other digital devices comprising a digital wallet that allow users to access price-comparison information, product reviews, links to the retail websites of others, and discount information; software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless mobile commerce transactions, contactless presentation of loyalty credentials, and contactless redemption of coupons, rebates, discounts, vouchers and special offers; software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers delivered by contactless RFID or NFC communications; software application that allows merchants to deploy smart posters in retail and wholesale in-store locations that consumers can tap with their mobile telecommunications devices to access coupons, rebates, discounts, vouchers and special offers delivered by contactless RFID or NFC communications; integrated circuit chips for use in mobile phones and NFC and RFID devices; cards encoded with security features for authentication purposes; cards encoded with security features for identification purposes; chip cards, stored value cards, electronic data carrier cards all encoded; electronic encryption units; credit cards, debit cards; computer chips embedded in telephones and other communication devices; cash dispensing machines; computer peripheral devices and electronic goods, namely, calculating machines, electronic organizers, electronic notepads, pocket planners, mobile telephones, mobile telephone handsets, tablet computers, digital readers and personal digital assistants (PDAs) and alarms; mouse pads; parts and fittings for all the aforesaid goods.

Financial services, namely credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services, check cashing, deposit access and automated teller machine services; transaction reconciliation, cash management, consolidated funds settlement, consolidated dispute processing, financial information with respect to data repository and client profile information services, and related switching, gateway and funds movement services in the field of payment cards, electronic payment processing services, payment transaction authentication and verification services; financial clearing and settlement services; payment processing services; electronic processing of payments via a global computer network; payment transaction authentication and verification services; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce, providing financial information, namely credit and debit card data and reports and electronic funds transfer, financial assessment and risk management services for others in the field of consumer credit; dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; 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; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; processing services for financial transactions by card holders via automatic teller machines; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; payer authentication services; verification of financial information; maintenance of financial records; remote payment services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of debit and credit services by means of communication and telecommunication devices; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitized information; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet; financial services, namely, the provision of contactless mobile payments through merchants at retail, online and wholesale locations; financial services, namely, providing a cloud-based digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts via a cash-back system; consulting services regarding payment solutions, banking, credit card, debit card and payment card; information, advisory and consultancy services relating to all the aforesaid services.

Computer hardware and software platform for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization and settlement services, fraud detection and control, disaster recovery and encryption services; scientific apparatus and instruments; magnetic data carriers, recording discs; automatic vending machines and mechanisms for coin operated apparatus; cash registers; data processing equipment; computers, computer hardware, computer software and computer programs; telecommunication and electrical apparatus and instruments, namely, apparatus for the registration, transmission and reproduction of data including sound and images; accounting machines; apparatus for registration, transmission, reproduction of data including sound and images; magnetic recording supports; apparatus for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software, in particular for the development, maintenance and use of local and wide area computer networks; systems for reading memory cards and systems for reading data in memories including integrated circuit memories and banking card memories; downloadable electronic publications; printing apparatus including printing apparatus for data processing systems and financial transaction systems; automatic tellers and cash machines for banking establishments; encoders and decoders; modems; computer hardware and software for facilitating payment transactions by electronic means; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded cards and card containing an integrated circuit chip (''smart cards''); security encoded cards; cards encoded with security features for authentication purposes; cards encoded with security features for identification purposes; hologram impregnated cards; charge cards, bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, payment cards and payment cards all encoded; banking cards, namely printed banking cards and banking cards using magnetic memories and integrated circuit memories; card readers; magnetic coded card readers, electronic data carrier cards, magnetic coded card readers, electronic data carrier card readers, electronic encryption units, computer hardware, computer terminals, computer software for use in the financial services, banking and telecommunications industries; computer software designed to enable smart cards to interact with terminals and readers; computer chips embedded in telephones and other communication devices; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices (transponders); electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; cash dispensing machines; computer peripheral devices and electronic goods, namely calculating machines, pocket planners, personal digital assistants (PDAs) and alarms.

Business management and advisory services; marketing consulting services; market research services; tracking, analyzing, forecasting and reporting cardholder purchase behavior; promoting the sale of the goods and services of others by means of rewards and incentives generated in connection with the use of credit, debit and payment cards; administration of loyalty and rewards programs; advertising; business administration; office functions; commercial, industrial and business management assistance; business appraisals; advisory services for business management; marketing studies; statistical information (business); preparation of statements of accounts; book-keeping; business research; public relations; publication of publicity texts; issuing of publicity leaflets; retail services provided through mobile telecommunications means in connection with the provision of credit cards and debit cards; retail services provided on-line, through networks or other electronic means using electronically digitised information connected with the provision of credit cards and debit cards; computer database management; data processing and data verification services; data storage and retrieval services; promoting concerts and cultural events of others, organisation of expositions having commercial or advertising purposes; advertising for transport, travel, hotels, lodging, food and meals, sports, entertainment and sightseeing, for tourist agencies services, and for information relating to tariffs, timetables and methods of transport and travel arrangement; providing information regarding purchase of goods and services on-line via the Internet and other computer networks; data repository and client profile information services; bill  presentment services; the provision of information and advisory services relation to all the aforesaid.

Computer hardware, computer software and computer programs; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded cards and cards containing an integrated circuit chip ("smart cards") all being charge cards, cerdit cards, debit cards and identification cards; charge cards, bank cards, credit cards, debit cards and payment cards; card readers; computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards.

Financial services; banking and credit services; providing credit card, debit card, charge card and stored value prepaid card services; stored value electronic purse services, providing electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorisation and settlement services; travel insurance services; cheque verification services; issuing and redemption services all relating to travellers' cheques and travel vouchers; advisory services relating to all the aforesaid services.

Computer hardware, computer software and computer programs; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals; banking and financial institutions; magnetic encoded cards and cards containing an integrated circuit chip ("smart cards"); charge cards, bank cards, credit cards, debit cards and payment cards; card readers; computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; computer software for reporting credit and debit card usage and transaction information; software for the provision of financial services over the Internet.

Financial services; banking and credit services; providing credit card, debit card, charge card and stored value prepaid card services; stored value electronic purse services, providing electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorisation and settlement services; travel insurance services; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; advisory services relating to all the aforesaid services; providing credit and debit card usage and transaction information for management of corporate expense accounts; provision of financial services over the Internet.

Insurance; financial affairs; monetary affairs; real estate affairs.

Building construction; repair; installation services; car wash; motor vehicle maintenance and repair; motor vehicle wash; repair information; vehicle cleaning; vehicle polishing.

Computer hardware, computer software and computer programs; computer hardware and software for facilitating payment transactions by electronic means; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded cards and card containing an integrated circuit chip ("smart cards"); charge cards, bank cards, credit cards, debit cards and payment cards; card readers; computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices (transponders); and electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; vending machines.

Paper, cardboard and goods made from these materials, not included in other classes; printed matter; bookbinding material; photographs; stationery; adhesives for stationery or household purposes; artists' materials; paint brushes; typewriters and office requisites (except furniture); instructional and teaching material (except apparatus); plastic materials for packaging (not included in other classes); printers' type; printing blocks; printed publications, pamphlets, brochures, newspapers, journals and magazines, manuals, printed matter all relating to banking; credit cards, debit cards, magazines; adhesive tapes for stationery or household purposes; aquaria (indoor -); aquarium hoods; architects' models; babies' diapers of paper and cellulose, disposable; babies' napkin-pants [diaper-pants]; bags (garbage -) of paper or of plastics; bags for microwave cooking; balls for ball-point pens; chalk (marking -); chaplets; checkbooks [cheque books] (holders for -); composing frames [printing]; composing sticks; diaper-pants (babies' -); engraving plates; galley racks [printing]; garbage bags of paper or of plastics; graining combs; hand labelling appliances; holders (passport -); holders for checkbooks [cheque books]; house painters' rollers; indoor aquaria; indoor terrariums [vivariums]; marking chalk; microwave cooking (bags for -); models (architects' -); mounting photographs (apparatus for -); napkin-pants (babies' -); packaging material made of starches; passport holders; photograph stands; photographs (apparatus for mounting -); printers' blankets, not of textile; printers' reglets; rollers (house painters' -); rosaries; self-adhesive tapes for stationery or household purposes; sheets of reclaimed cellulose for wrapping; starches (packaging material made of -); steatite [tailor's chalk]; tailors' chalk; tanks [indoor aquaria]; terrariums (indoor -) [vivariums]; trays for sorting and counting money; vignetting apparatus; wristbands for the retention of writing instruments.

Computer hardware, computer software and computer programs; computer hardware and software for facilitating payment transactions by electronic means; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded cards and card containing an integrated circuit chip ("smart cards"); charge cards, bank cards, credit cards, debit cards and payment cards; card readers; computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices (transponders); and electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; vending machines.

Paper, cardboard and goods made from these materials, not included in other classes; printed matter; bookbinding material; photographs; stationery; adhesives for stationery or household purposes; artists' materials; paint brushes; typewriters and office requisites (except furniture); instructional and teaching material (except apparatus); plastic materials for packaging (not included in other classes); printers' type; printing blocks; printed publications, pamphlets, brochures, newspapers, journals and magazines, manuals, printed matter all relating to banking; credit cards, debit cards, magazines; adhesive tapes for stationery or household purposes; aquaria (indoor -); aquarium hoods; architects' models; babies' diapers of paper and cellulose, disposable; babies' napkin-pants [diaper-pants]; bags (garbage -) of paper or of plastics; bags for microwave cooking; balls for ball-point pens; chalk (marking -); chaplets; checkbooks [cheque books] (holders for -); composing frames [printing]; composing sticks; diaper-pants (babies' -); engraving plates; galley racks [printing]; garbage bags of paper or of plastics; graining combs; hand labelling appliances; holders (passport -); holders for checkbooks [cheque books]; house painters' rollers; indoor aquaria; indoor terrariums [vivariums]; marking chalk; microwave cooking (bags for -); models (architects' -); mounting photographs (apparatus for -); napkin-pants (babies' -); packaging material made of starches; passport holders; photograph stands; photographs (apparatus for mounting -); printers' blankets, not of textile; printers' reglets; rollers (house painters' -); rosaries; self-adhesive tapes for stationery or household purposes; sheets of reclaimed cellulose for wrapping; starches (packaging material made of -); steatite [tailor's chalk]; tailors' chalk; tanks [indoor aquaria]; terrariums (indoor -) [vivariums]; trays for sorting and counting money; vignetting apparatus; wristbands for the retention of writing instruments.

Computer hardware, computer software and computer programs; computer hardware and software for facilitating payment transactions by electronic means; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded cards and card containing an integrated circuit chip ("smart cards"); charge cards, bank cards, credit cards, debit cards and payment cards; card readers; computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices (transponders); and electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; vending machines.

Insurance services; financial services; banking and credit services; providing credit card, debit card, charge card and stored value prepaid card services; remote payment services; stored value electronic purse services, providing electronic funds, currency transfer and money transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, and transaction authorisation and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); clearing and reconciling financial transactions via a global computer network; person-to-person and person-to-business money transfer and payment services transacted by means of a computer network; payroll and benefits payment services; payment remittance services; electronic transmission of money from customer to customer; electronic transmission of bill and payment data; travel insurance services; cheque verification services; issuing and redemption services all relating to travellers cheques and travel vouchers; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitised information; services in the accessibility, storage and utilisation of a store digitised information representing monetary value in hand-held technology accessible to use by an individual; electronic bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet.