Apparatus for processing card transactions and data relating thereof and for payment processing; Apparatus for verifying data on magnetically encoded cards; electronic verification apparatus; Encoded cards; Blank smart cards; blank integrated circuit cards (blank smart cards); Magnetic cards; magnetically encoded and smart (programmable) cards; Cards bearing integrated circuits; apparatus for decoding (reading) encoded cards; Card readers; Reading machines for integrated circuit cards; Smart card readers; Chip card readers; Integrated circuit chips; Application software; Automated teller machines (ATM); automated banking and cash machines; banking cards (encoded or magnetic) for credit or debit purposes; bank cards being machine readable; charge cards (encoded or magnetic); integrated circuit cards (smart cards); computer cards (smart); smart cards (machine readable cards); storage cards (smart cards); Cards incorporating electronic chips; cards encoded with security features for authentication or identification purposes; Electronic banking installations; Self-service banking apparatus; Computer software applications, downloadable; Computer software, recorded; Computer software platforms, recorded or downloadable; Interfaces for computers; Charging apparatus; databases (electronic publications); electronic publications (downloadable); Electronic publications including those sold and distributed online; cheque cards (encoded or magnetic); Software and applications for mobile devices; Software applications for use with mobile devices; Downloadable applications for use with mobile devices

Insurance; Financial affairs; Monetary affairs; Internet banking; Online banking; Computerised banking services; Mobile banking services; banking services provided for paying bills by telephone; financial, banking and credit services; Cash dispensing services; Loan services; loans (financing); Instalment loans; credit services; credit card, charge card, cash card, cheque guarantee card, payment card and debit card services; registration services for credit cards, charge cards, cash cards, cheque guarantee cards, debit cards, payment cards, financial cards and purchase cards; card and cash replacement services; credit cards, charge cards, cash cards, debit cards, payment cards, financial cards and purchase cards services provided in relation to user incentive schemes; rental, hire and leasing of equipment for processing financial cards and data relating thereto; financial, monetary and banking services in relation to processing of payment data relating to card transactions and other payment transaction processing; provision of finance, money exchange and money transmission services; currency services, bureau de change services; foreign exchange services; merchant banking and investment banking services; Deposit services; investment and savings services; Savings bank services; Stock brokerage services; payment collection services; Electronic payment services; Electronic funds transfer; underwriting services; unit insurance services; securities services; personal equity plan services; tax services; Financial planning and investment advisory services; investment and financial management services; Financial research services; Financial analysis; Pension fund services; Provision of financial information; Providing financial information via a web site; Providing rebates at participating establishments of others through use of a membership card; information, consultancy and advisory services relating to all the foregoing