Mechanisms for coin-operated apparatus; computer hardware and software (recorded and/or downloadable) to facilitate and administer payments, banking services, credit cards, debit cards, payment cards, automated teller machines, stored value cards, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash payments, authentication, routing, authorization and transaction settlement services, monitoring and fraud detection services, computer troubleshooting and encryption services; secure terminals for electronic transactions; point-of-sale terminals; apparatus for monitoring, managing and analyzing financial accounts via a global computer network; apparatus for verifying data on magnetically encoded cards; systems for reading memory cards and systems for reading stored data, namely, integrated circuit memories and bank card memories; computer hardware and software for facilitating electronic payment transactions over a wireless network, a global computer network and/or mobile telecommunication devices; computer hardware and software for encryption, keys for encryption, digital certification, digital signatures, software for tamper-proof data storage, for retrieval and transmission of confidential information to customers used by individuals and financial and banking institutions; computer hardware and software including a digital portfolio enabling the storing of customer account information for accessing coupons, vouchers, coupon codes and rebates at retailers and for obtaining loyalty or cash bonuses that can be credited to their account; smartphone software; computer applications for mobile phones, computers, electronic tablets, and telecommunication apparatus; communication software to enable customers to access their bank account information and to process bank transactions; software for facilitating secure credit card transactions; authentication software for controlling access and communication with computers and computer networks; authentication software for controlling financial transactions on the Internet; software for processing electronic payments and transfers of funds on the Internet; computer programs and downloadable software applications software for mobile phones and other digital devices including digital portfolio allowing customers to access price comparison information, product reviews, links to on-line retail sites of others, and information with respect to rebates; encoded magnetic cards and electronic smart cards (memory cards); cards with security codes; encoded cards containing security features for identification purposes; encoded cards containing security features for identification purposes; payment cards, bank cards, credit cards, debit cards, smart cards, value deposit cards, electronic data carrier cards; readers of payment cards, magnetic encoded cards, electronic data carrier cards, electronic encryption units; software for connecting to memory cards using terminals and readers.

Insurance services; financial affairs; banking affairs; monetary affairs; financial services, namely, electronic payment services, money transfer services, e-commerce payment services; payment services and presentation of invoices; authorization and settlement of transactions; reconciling transactions; financial information concerning data and information referential services on customer profiling, and related switching services, gateway services, fund reconciliation and movement in the field of payment cards; electronic payment processing services; services for authenticating and verifying financial transactions; value exchange services, namely, secure electronic cash transactions and electronic transfer of cash, on public computer networks for the purpose of facilitating e-commerce; provision of financial information, namely, data and reports in connection with credit and payment cards; financial information provided via a secure computer network information and advisory services in connection with all the aforesaid services; providing financial support of retail services provided via mobile telecommunications, namely, payment services through wireless devices; providing financial support of retail services provided online, via electronic networks; banking, payment, credit and debit services and access to security deposits; processing of financial transactions both on-line via a computer database or via telecommunications and at points of sale; financial settlement and financial authorization services concerning the processing of financial payments; payer authentication services; verification of financial information; remote payment services; electronic stored value purse services, electronic payment services and transaction authorization and settlement services; provision of debit and credit services by means of communication and telecommunication devices; providing financial support of retail services provided via mobile telecommunications; processing of credit and debit transactions by telephone and telecommunication connection; providing financial services to support retail services provided online, via networks or other electronic means using electronically digitized information; value exchange services, namely, the secure exchange of value, including electronic money payment via computer networks accessible by smart cards; bill payment services via a Website; electronic payment services including electronic processing and transmission of bill payment related data; interbank transfer services, namely, direct electronic transfer of money from bank to bank; provision of bank account information by telephone; on-line banking services; financial services, namely, services enabling payment for wholesale, retail and online merchants; consulting services with respect to payment solutions, banking, credit cards, debit cards and payment cards; information, advice and consultancy for all the aforesaid services; electronic management of bank and monetary flows; electronic purse services; services in connection with prepayment cards, payment, credit, cash withdrawal, chip or strip cards, magnetic cards and memory cards; cash withdrawal services by means of chip or magnetic strip cards; electronic funds transfer; currency exchange services; financial securities exchange services; monetary exchange services; authorization and settlement services for payments made by credit card; secure remote payment services; payment services provided via wireless telecommunication apparatus and devices; processing of virtual currency transactions for others; providing mobile electronic payment services for third parties; clearing and reconciliation transactions via global communications networks.