The invention relates generally to the provisioning of payment instruments onto electronic devices such as a mobile telephone, tablet, laptop or wearable, and in particular to securely provisioning payment instrument for which authorisation for the provisioning must be provided by a payment instrument issuer. A first embodiment is provided in which data that is generated during a transaction is received by an electronic device and transmitted from the electronic device to a server associated with an acquirer. The data received from the electronic device is compared to the data generated during the transaction and, if these match, provisioning is authorised. A second embodiment is provided in which a server associated with an acquirer generates an identification message that is separate from but based on a response message associated with a transaction, and provisioning is authorised or declined based on the identification message.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 7/14 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
2.
METHODS AND SYSTEMS FOR COLLECTING AND RELEASING VIRTUAL OBJECTS BETWEEN DISPARATE AUGMENTED REALITY ENVIRONMENTS
Methods and systems are disclosed for collecting and releasing virtual objects between disparate augmented reality environments. One method comprises receiving user selection to collect an object in a first environment displayed on a user device at a first time. A search request may then be transmitted to a content server from which a virtual object corresponding to the collected object is received in response. The virtual object may be stored in a user library associated with a user identifier of the user. When a second environment is displayed on the user device, the virtual object may be added to the second environment in response to receiving user selection to add the virtual object and determining that the user is associated with the user identifier.
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06F 3/04817 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 19/14 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Systems and methods for authenticating an electronic transaction using a hosted authentication service. The systems and methods determine whether an authentication is required based on a first electronic message received from a first data system. Upon determining the authentication is required, the systems and methods transmit a dummy authentication request and a hosted authentication service uniform resource locator to the first data system. The systems and methods further determine or receive an indication whether a user authentication challenge is required based on a transaction risk analysis by a second data system. Upon determining the user authentication challenge is required, the systems and methods provide, at a user interface, an electronic form including a challenge request. The systems and methods transmit, to the first data system, another electronic form including a dummy authentication response generated based on a challenge result.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
5.
WIRELESS COMMUNICATION BETWEEN ELECTRONIC DEVICES IN CLOSE PROXIMITY
A method of communicating between a first electronic communication device of a plurality of electronic communication devices and a wireless communication initiating device for reading the first electronic communication device. The method comprises receiving, at the first electronic communication device, a communication signal from the wireless communication initiating device and determining a first characteristic value relating to the communication signal. The method further comprises receiving at least a second characteristic value relating to a communication signal received by at least a second electronic communication device that is connected to the first electronic communication device and initiating communication with a reading device based on the first and second value.
H04B 5/77 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for interrogation
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
H04B 5/72 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for local intradevice communication
6.
METHODS AND SYSTEMS FOR SEAMLESSLY TRANSPORTING OBJECTS BETWEEN CONNECTED DEVICES FOR ELECTRONIC TRANSACTIONS
Methods and Systems are disclosed for displaying objects between disparate devices connected to an electronic network. One method comprises detecting, by a multimedia device connected to an electronic network, an object in a multimedia stream; determining an identifier associated with the detected object; detecting a mobile device connected to the electronic network, the mobile device being a device other than the multimedia device; and generating a display of the detected object at the detected mobile device.
H04N 21/4722 - End-user interface for requesting content, additional data or servicesEnd-user interface for interacting with content, e.g. for content reservation or setting reminders, for requesting event notification or for manipulating displayed content for requesting additional data associated with the content
G06Q 20/30 - Payment architectures, schemes or protocols characterised by the use of specific devices
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06T 19/00 - Manipulating 3D models or images for computer graphics
H04N 21/41 - Structure of clientStructure of client peripherals
H04N 21/44 - Processing of video elementary streams, e.g. splicing a video clip retrieved from local storage with an incoming video stream or rendering scenes according to encoded video stream scene graphs
H04N 21/478 - Supplemental services, e.g. displaying phone caller identification or shopping application
7.
METHODS AND SYSTEMS FOR DISPLAYING VIRTUAL OBJECTS FROM AN AUGMENTED REALITY ENVIRONMENT ON A MULTIMEDIA DEVICE
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device. One method comprises detecting, in an augmented reality environment displayed using a first device, a virtual object; detecting, within the augmented reality environment, a second device, the second device comprising a physical multimedia device; and generating, at the second device, a display comprising a representation of the virtual object.
G06T 19/20 - Editing of 3D images, e.g. changing shapes or colours, aligning objects or positioning parts
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06F 3/04883 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text
Methods and Systems are disclosed for displaying objects between disparate devices connected to an electronic network. One method comprises detecting, by a multimedia device connected to an electronic network, an object in a multimedia stream; determining an identifier associated with the detected object; detecting a mobile device connected to the electronic network, the mobile device being a device other than the multimedia device; and generating a display of the detected object at the detected mobile device.
H04N 21/4722 - End-user interface for requesting content, additional data or servicesEnd-user interface for interacting with content, e.g. for content reservation or setting reminders, for requesting event notification or for manipulating displayed content for requesting additional data associated with the content
G06Q 20/30 - Payment architectures, schemes or protocols characterised by the use of specific devices
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06T 19/00 - Manipulating 3D models or images for computer graphics
H04N 21/41 - Structure of clientStructure of client peripherals
H04N 21/44 - Processing of video elementary streams, e.g. splicing a video clip retrieved from local storage with an incoming video stream or rendering scenes according to encoded video stream scene graphs
H04N 21/478 - Supplemental services, e.g. displaying phone caller identification or shopping application
9.
Methods and systems for seamlessly transporting objects between connected devices for electronic transactions
Methods and Systems are disclosed for displaying objects between disparate devices connected to an electronic network. One method comprises detecting, by a multimedia device connected to an electronic network, an object in a multimedia stream; determining an identifier associated with the detected object; detecting a mobile device connected to the electronic network, the mobile device being a device other than the multimedia device; and generating a display of the detected object at the detected mobile device.
H04N 21/4722 - End-user interface for requesting content, additional data or servicesEnd-user interface for interacting with content, e.g. for content reservation or setting reminders, for requesting event notification or for manipulating displayed content for requesting additional data associated with the content
G06Q 20/30 - Payment architectures, schemes or protocols characterised by the use of specific devices
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06T 19/00 - Manipulating 3D models or images for computer graphics
H04N 21/41 - Structure of clientStructure of client peripherals
H04N 21/44 - Processing of video elementary streams, e.g. splicing a video clip retrieved from local storage with an incoming video stream or rendering scenes according to encoded video stream scene graphs
H04N 21/478 - Supplemental services, e.g. displaying phone caller identification or shopping application
10.
ELECTRONIC TRANSACTION PROCESSING SYSTEMS AND METHODS
The invention relates generally to the processing of electronic payments that involve an payment instrument. A payment instrument reading device is paired with a payment initiating device to allow transaction information generated by the payment initiating device to be automatically transmitted to its associated payment instrument reading device. This means that rekeying of transaction information is not required. In some embodiments one or more beacons are provided in a premises, to allow the location of a mobile payment initiating device to be determined. This location is used to either direct the payment initiating device to a payment instrument reading device, or vice versa. Transaction data generated by the payment initiating device is automatically transmitted to the payment instrument reading device. A pairing module is also provided, which is configured to pair a payment instrument reading device with a payment initiating device.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device. One method comprises detecting, in an augmented reality environment displayed using a first device, a virtual object; detecting, within the augmented reality environment, a second device, the second device comprising a physical multimedia device; and generating, at the second device, a display comprising a representation of the virtual object.
G06T 19/20 - Editing of 3D images, e.g. changing shapes or colours, aligning objects or positioning parts
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06F 3/04883 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text
Systems and methods for authenticating an electronic transaction using a hosted authentication service. The systems and methods determine whether an authentication is required based on a first electronic message received from a first data system. Upon determining the authentication is required, the systems and methods transmit a dummy authentication request and a hosted authentication service uniform resource locator to the first data system. The systems and methods further determine or receive an indication whether a user authentication challenge is required based on a transaction risk analysis by a second data system. Upon determining the user authentication challenge is required, the systems and methods provide, at a user interface, an electronic form including a challenge request. The systems and methods transmit, to the first data system, another electronic form including a dummy authentication response generated based on a challenge result.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
13.
Methods and systems for displaying virtual objects from an augmented reality environment on a multimedia device
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device. One method comprises detecting, in an augmented reality environment displayed using a first device, a virtual object; detecting, within the augmented reality environment, a second device, the second device comprising a physical multimedia device; and generating, at the second device, a display comprising a representation of the virtual object.
G06T 19/20 - Editing of 3D images, e.g. changing shapes or colours, aligning objects or positioning parts
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06F 3/04883 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text
Methods and systems are disclosed for providing secure authentication in a virtual or augmented reality environment using an interactive icon. One method comprises: receiving, over a computer network, a request for payment authorization; identifying, based on the request for payment authorization, a virtual reality interface; generating an icon in the virtual reality interface, the icon having a randomized display of authentication characters; receiving user input associated with at least one character of the of payment authentication characters in the virtual reality interface; and generating a payment authorization response to the request for payment authorization based on the received user input.
G06F 3/04847 - Interaction techniques to control parameter settings, e.g. interaction with sliders or dials
G06F 3/04817 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
15.
Identity validation in a secure electronic transaction processing system
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 19/14 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 19/14 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
A method of communicating between a first electronic communication device of a plurality of electronic communication devices and a wireless communication initiating device for reading the first electronic communication device. The method comprises receiving, at the first electronic communication device, a communication signal from the wireless communication initiating device and determining a first characteristic value relating to the communication signal. The method further comprises receiving at least a second characteristic value relating to a communication signal received by at least a second electronic communication device that is connected to the first electronic communication device and initiating communication with a reading device based on the first and second value.
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
H04B 5/72 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for local intradevice communication
H04B 5/77 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for interrogation
18.
Methods and systems for displaying virtual objects from an augmented reality environment on a multimedia device
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device. One method comprises detecting, in an augmented reality environment displayed using a first device, a virtual object; detecting, within the augmented reality environment, a second device, the second device comprising a physical multimedia device; and generating, at the second device, a display comprising a representation of the virtual object.
G06T 19/20 - Editing of 3D images, e.g. changing shapes or colours, aligning objects or positioning parts
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06F 3/04883 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text
A method of communicating between a first electronic communication device of a plurality of electronic communication devices and a wireless communication initiating device for reading the first electronic communication device. The method comprises receiving, at the first electronic communication device, a communication signal from the wireless communication initiating device and determining a first characteristic value relating to the communication signal. The method further comprises receiving at least a second characteristic value relating to a communication signal received by at least a second electronic communication device that is connected to the first electronic communication device and initiating communication with a reading device based on the first and second value.
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
H04B 5/72 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for local intradevice communication
H04B 5/77 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for interrogation
20.
Methods and systems for collecting and releasing virtual objects between disparate augmented reality environments
Methods and systems are disclosed for collecting and releasing virtual objects between disparate augmented reality environments. One method comprises receiving user selection to collect an object in a first environment displayed on a user device at a first time. A search request may then be transmitted to a content server from which a virtual object corresponding to the collected object is received in response. The virtual object may be stored in a user library associated with a user identifier of the user. When a second environment is displayed on the user device, the virtual object may be added to the second environment in response to receiving user selection to add the virtual object and determining that the user is associated with the user identifier.
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06F 3/04817 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 19/14 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
The present disclosure is drawn to, among other things, a method of providing a payment terminal application on an electronic device, the electronic device comprising a volatile storage module, a user input module and a network interface module. In some aspects the method includes receiving user credentials from the user input module, transmitting an authentication request message to a remote data center via the network interface module, the authentication request message including the user credentials, receiving an authentication response message from the remote data center, the authentication response message including an indication as to whether authentication was successful, and if the authentication was successful, receiving at least one encryption key from the remote data center; and storing the at least one encryption key in the volatile storage module.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04W 12/04 - Key management, e.g. using generic bootstrapping architecture [GBA]
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device. One method comprises detecting, in an augmented reality environment displayed using a first device, a virtual object; detecting, within the augmented reality environment, a second device, the second device comprising a physical multimedia device; and generating, at the second device, a display comprising a representation of the virtual object.
G06T 19/20 - Editing of 3D images, e.g. changing shapes or colours, aligning objects or positioning parts
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06F 3/04883 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text
A method of communicating between a first electronic communication device of a plurality of electronic communication devices and a wireless communication initiating device for reading the first electronic communication device. The method comprises receiving, at the first electronic communication device, a communication signal from the wireless communication initiating device and determining a first characteristic value relating to the communication signal. The method further comprises receiving at least a second characteristic value relating to a communication signal received by at least a second electronic communication device that is connected to the first electronic communication device and initiating communication with a reading device based on the first and second value.
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
25.
Wireless communication between electronic devices in close proximity
A method of communicating between a first electronic communication device of a plurality of electronic communication devices and a wireless communication initiating device for reading the first electronic communication device. The method comprises receiving, at the first electronic communication device, a communication signal from the wireless communication initiating device and determining a first characteristic value relating to the communication signal. The method further comprises receiving at least a second characteristic value relating to a communication signal received by at least a second electronic communication device that is connected to the first electronic communication device and initiating communication with a reading device based on the first and second value.
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
26.
Methods and systems for seamlessly transporting objects between connected devices for electronic transactions
Methods and Systems are disclosed for displaying objects between disparate devices connected to an electronic network. One method comprises detecting, by a multimedia device connected to an electronic network, an object in a multimedia stream; determining an identifier associated with the detected object; detecting a mobile device connected to the electronic network, the mobile device being a device other than the multimedia device; and generating a display of the detected object at the detected mobile device.
H04N 21/4722 - End-user interface for requesting content, additional data or servicesEnd-user interface for interacting with content, e.g. for content reservation or setting reminders, for requesting event notification or for manipulating displayed content for requesting additional data associated with the content
G06Q 20/30 - Payment architectures, schemes or protocols characterised by the use of specific devices
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04N 21/41 - Structure of clientStructure of client peripherals
H04N 21/478 - Supplemental services, e.g. displaying phone caller identification or shopping application
27.
Methods and systems for collecting and releasing virtual objects between disparate augmented reality environments
Methods and systems are disclosed for collecting and releasing virtual objects between disparate augmented reality environments. One method comprises receiving user selection to collect an object in a first environment displayed on a user device at a first time. A search request may then be transmitted to a content server from which a virtual object corresponding to the collected object is received in response. The virtual object may be stored in a user library associated with a user identifier of the user. When a second environment is displayed on the user device, the virtual object may be added to the second environment in response to receiving user selection to add the virtual object and determining that the user is associated with the user identifier.
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06F 3/04817 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons
28.
Methods and systems for secure authentication in a virtual or augmented reality environment using an interactive icon
Methods and systems are disclosed for providing secure authentication in a virtual or augmented reality environment using an interactive icon. One method comprises: receiving, over a computer network, a request for payment authorization; identifying, based on the request for payment authorization, a virtual reality interface; generating an icon in the virtual reality interface, the icon having a randomized display of authentication characters; receiving user input associated with at least one character of the of payment authentication characters in the virtual reality interface; and generating a payment authorization response to the request for payment authorization based on the received user input.
G06F 3/04847 - Interaction techniques to control parameter settings, e.g. interaction with sliders or dials
G06F 3/04817 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
29.
Systems and methods for preventing identity fraud of electronic transaction device
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 19/14 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
30.
Methods and systems for displaying virtual objects from an augmented reality environment on a multimedia device
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device. One method comprises detecting, in an augmented reality environment displayed using a first device, a virtual object; detecting, within the augmented reality environment, a second device, the second device comprising a physical multimedia device; and generating, at the second device, a display comprising a representation of the virtual object.
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06T 19/00 - Manipulating 3D models or images for computer graphics
G06F 3/04883 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
Methods and Systems are disclosed for displaying objects between disparate devices connected to an electronic network. One method comprises detecting, by a multimedia device connected to an electronic network, an object in a multimedia stream; determining an identifier associated with the detected object; detecting a mobile device connected to the electronic network, the mobile device being a device other than the multimedia device; and generating a display of the detected object at the detected mobile device.
H04N 21/4722 - End-user interface for requesting content, additional data or servicesEnd-user interface for interacting with content, e.g. for content reservation or setting reminders, for requesting event notification or for manipulating displayed content for requesting additional data associated with the content
H04N 21/478 - Supplemental services, e.g. displaying phone caller identification or shopping application
H04N 21/41 - Structure of clientStructure of client peripherals
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/30 - Payment architectures, schemes or protocols characterised by the use of specific devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
32.
Methods for locating an antenna within an electronic device
A method of determining a proximity of an antenna located in a payment instrument to an antenna located within an electronic device may include receiving, at the antenna located within the electronic device, a first signal from the antenna located in the payment instrument, the first signal received at a first time, receiving, at the antenna located within an electronic device, a second signal from the antenna located in the payment instrument, the second signal received at a second time, the second time being later than the first time, determining a difference in a signal strength between the first and second signals, and displaying, on a display of the electronic device, an indication based on the determination.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
H04W 12/04 - Key management, e.g. using generic bootstrapping architecture [GBA]
G06F 21/34 - User authentication involving the use of external additional devices, e.g. dongles or smart cards
H04B 5/77 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for interrogation
33.
Systems and methods for provisioning a payment instrument
The invention relates generally to the provisioning of payment instruments onto electronic devices such as a mobile telephone, tablet, laptop or wearable, and in particular to securely provisioning payment instrument for which authorisation for the provisioning must be provided by a payment instrument issuer. A first embodiment is provided in which data that is generated during module a transaction is received by an electronic device and transmitted controller from the electronic device to a server associated with an acquirer. The data received from the electronic device is compared to the data generated during the transaction and, if these match, provisioning is authorised. A second embodiment is provided in which a server associated with an acquirer generates an identification message that is separate from but based on a response message associated with a transaction, and provisioning is authorised or declined based on the identification message.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06K 7/14 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
34.
Systems and methods for reducing identity fraud of electronic transaction device
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 19/14 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
35.
Methods and systems for collecting and releasing virtual objects between disparate augmented reality environments
Methods and systems are disclosed for collecting and releasing virtual objects between disparate augmented reality environments. One method comprises receiving user selection to collect an object in a first environment displayed on a user device at a first time. A search request may then be transmitted to a content server from which a virtual object corresponding to the collected object is received in response. The virtual object may be stored in a user library associated with a user identifier of the user. When a second environment is displayed on the user device, the virtual object may be added to the second environment in response to receiving user selection to add the virtual object and determining that the user is associated with the user identifier.
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06F 3/04817 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons
A method of communicating between a first electronic communication device of a plurality of electronic communication devices and a wireless communication initiating device for reading the first electronic communication device. The method comprises receiving, at the first electronic communication device, a communication signal from the wireless communication initiating device and determining a first characteristic value relating to the communication signal. The method further comprises receiving at least a second characteristic value relating to a communication signal received by at least a second electronic communication device that is connected to the first electronic communication device and initiating communication with a reading device based on the first and second value.
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
37.
Methods and systems for displaying virtual objects from an augmented reality environment on a multimedia device
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device. One method comprises detecting, in an augmented reality environment displayed using a first device, a virtual object; detecting, within the augmented reality environment, a second device, the second device comprising a physical multimedia device; and generating, at the second device, a display comprising a representation of the virtual object.
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06T 19/00 - Manipulating 3D models or images for computer graphics
G06F 3/04883 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
A method of communicating between a first electronic communication device of a plurality of electronic communication devices and a wireless communication initiating device for reading the first electronic communication device. The method comprises receiving, at the first electronic communication device, a communication signal from the wireless communication initiating device and determining a first characteristic value relating to the communication signal. The method further comprises receiving at least a second characteristic value relating to a communication signal received by at least a second electronic communication device that is connected to the first electronic communication device and initiating communication with a reading device based on the first and second value.
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
39.
Methods and systems for displaying virtual objects from an augmented reality environment on a multimedia device
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device. One method comprises detecting, in an augmented reality environment displayed using a first device, a virtual object; detecting, within the augmented reality environment, a second device, the second device comprising a physical multimedia device; and generating, at the second device, a display comprising a representation of the virtual object.
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06T 19/00 - Manipulating 3D models or images for computer graphics
G06F 3/04883 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 30/06 - Buying, selling or leasing transactions
Systems and methods for authenticating an electronic transaction using a hosted authentication service. The systems and methods determine whether an authentication is required based on a first electronic message received from a first data system. Upon determining the authentication is required, the systems and methods transmit a dummy authentication request and a hosted authentication service uniform resource locator to the first data system. The systems and methods further determine or receive an indication whether a user authentication challenge is required based on a transaction risk analysis by a second data system. Upon determining the user authentication challenge is required, the systems and methods provide, at a user interface, an electronic form including a challenge request. The systems and methods transmit, to the first data system, another electronic form including a dummy authentication response generated based on a challenge result.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06F 9/455 - EmulationInterpretationSoftware simulation, e.g. virtualisation or emulation of application or operating system execution engines
41.
Systems and methods for hosted authentication service
Systems and methods for authenticating an electronic transaction using a hosted authentication service. The systems and methods determine whether an authentication is required based on a first electronic message received from a first data system. Upon determining the authentication is required, the systems and methods transmit a dummy authentication request and a hosted authentication service uniform resource locator to the first data system. The systems and methods further determine or receive an indication whether a user authentication challenge is required based on a transaction risk analysis by a second data system. Upon determining the user authentication challenge is required, the systems and methods provide, at a user interface, an electronic form including a challenge request. The systems and methods transmit, to the first data system, another electronic form including a dummy authentication response generated based on a challenge result.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06F 9/455 - EmulationInterpretationSoftware simulation, e.g. virtualisation or emulation of application or operating system execution engines
42.
Methods and systems for displaying virtual objects from an augmented reality environment on a multimedia device
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device. One method comprises detecting, in an augmented reality environment displayed using a first device, a virtual object; detecting, within the augmented reality environment, a second device, the second device comprising a physical multimedia device; and generating, at the second device, a display comprising a representation of the virtual object.
G06T 19/20 - Editing of 3D images, e.g. changing shapes or colours, aligning objects or positioning parts
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06Q 30/06 - Buying, selling or leasing transactions
G06T 19/00 - Manipulating 3D models or images for computer graphics
G06F 3/04883 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text
43.
Methods and systems for displaying virtual objects from an augmented reality environment on a multimedia device
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device. One method comprises detecting, in an augmented reality environment displayed using a first device, a virtual object; detecting, within the augmented reality environment, a second device, the second device comprising a physical multimedia device; and generating, at the second device, a display comprising a representation of the virtual object.
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06T 19/00 - Manipulating 3D models or images for computer graphics
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 30/06 - Buying, selling or leasing transactions
44.
Electronic transaction processing systems and methods
The invention relates generally to the processing of electronic payments that involve an payment instrument. A payment instrument reading device is paired with a payment initiating device to allow transaction information generated by the payment initiating device to be automatically transmitted to its associated payment instrument reading device. This means that rekeying of transaction information is not required. In some embodiments one or more beacons are provided in a premises, to allow the location of a mobile payment initiating device to be determined. This location is used to either direct the payment initiating device to a payment instrument reading device, or vice versa. Transaction data generated by the payment initiating device is automatically transmitted to the payment instrument reading device. A pairing module is also provided, which is configured to pair a payment instrument reading device with a payment initiating device.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 19/14 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 19/14 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
47.
Systems and methods for executing electronic transactions using secure identity data
The invention relates generally to secure data entry devices and methods of using such devices. A secure data entry device is provided that includes an integrated imaging device arranged such that it captures at least one image of a user during a transaction. The at least one image is processed in order to generate a biometric pattern. In one embodiment the at least one image includes a user's face and the processing involves applying a facial recognition algorithm to the at least one image to generate the biometric pattern. In some embodiments the biometric pattern is compared to a trusted biometric pattern in order to determine whether to approve or decline the transaction.
G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
The invention relates generally to the provisioning of payment instruments onto electronic devices such as a mobile telephone, tablet, laptop or wearable, and in particular to securely provisioning payment instrument for which authorisation for the provisioning must be provided by a payment instrument issuer. A first embodiment is provided in which data that is generated during a transaction is received by an electronic device and transmitted from the electronic device to a server associated with an acquirer. The data received from the electronic device is compared to the data generated during the transaction and, if these match, provisioning is authorised. A second embodiment is provided in which a server associated with an acquirer generates an identification message that is separate from but based on a response message associated with a transaction, and provisioning is authorised or declined based on the identification message.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06K 7/14 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
49.
SYSTEMS AND METHODS FOR EXECUTING ELECTRONIC TRANSACTIONS USING BIOMETRIC DATA
The invention relates generally to secure data entry devices and methods of using such devices. A secure data entry device is provided that includes an integrated imaging device arranged such that it captures at least one image of a user during a transaction. The at least one image is processed in order to generate a biometric pattern. In one embodiment the at least one image includes a user's face and the processing involves applying a facial recognition algorithm to the at least one image to generate the biometric pattern. In some embodiments the biometric pattern is compared to a trusted biometric pattern in order to determine whether to approve or decline the transaction.
G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
H04W 12/126 - Anti-theft arrangements, e.g. protection against subscriber identity module [SIM] cloning
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04L 29/06 - Communication control; Communication processing characterised by a protocol
50.
Wireless communication between electronic devices in close proximity
A method of communicating between a first electronic communication device of a plurality of electronic communication devices and a wireless communication initiating device for reading the first electronic communication device. The method comprises receiving, at the first electronic communication device, a communication signal from the wireless communication initiating device and determining a first characteristic value relating to the communication signal. The method further comprises receiving at least a second characteristic value relating to a communication signal received by at least a second electronic communication device that is connected to the first electronic communication device and initiating communication with a reading device based on the first and second value.
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
51.
Systems and methods for performing identity validation for electronic transactions
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 19/14 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 19/14 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
53.
Methods for locating an antenna within an electronic device
A method of determining a proximity of an antenna located in a payment instrument to an antenna located within an electronic device may include receiving, at the antenna located within the electronic device, a first signal from the antenna located in the payment instrument, the first signal received at a first time, receiving, at the antenna located within an electronic device, a second signal from the antenna located in the payment instrument, the second signal received at a second time, the second time being later than the first time, determining a difference in a signal strength between the first and second signals, and displaying, on a display of the electronic device, an indication based on the determination.
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
H04W 12/04 - Key management, e.g. using generic bootstrapping architecture [GBA]
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G06F 21/34 - User authentication involving the use of external additional devices, e.g. dongles or smart cards
H04W 12/67 - Risk-dependent, e.g. selecting a security level depending on risk profiles
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
54.
Electronic transaction processing systems and methods
The invention relates generally to the processing of electronic payments that involve an payment instrument. A payment instrument reading device is paired with a payment initiating device to allow transaction information generated by the payment initiating device to be automatically transmitted to its associated payment instrument reading device. This means that rekeying of transaction information is not required. In some embodiments one or more beacons are provided in a premises, to allow the location of a mobile payment initiating device to be determined. This location is used to either direct the payment initiating device to a payment instrument reading device, or vice versa. Transaction data generated by the payment initiating device is automatically transmitted to the payment instrument reading device. A pairing module is also provided, which is configured to pair a payment instrument reading device with a payment initiating device.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
An electronic wireless communication device is provided, comprising: a wireless communication means for communicating with a wireless communication initiating device; means for monitoring a communication signal received by the wireless communication means; means for sending at least a first characteristic value relating to the communication signal received by the wireless communication means to at least one other electronic wireless communication device; means for receiving at least a further characteristic value relating to a communication signal received by the at least one other electronic wireless communication device; and processing means for carrying out a comparison based on the first characteristic value and the further characteristic value, wherein the electronic wireless device is configured to selectively activate communication with the wireless communication initiating device based on the result of the comparison. A system and method is also provided for communicating between an electronic wireless communication device of a plurality of electronic wireless communication devices and a wireless communication initiating device that can read one of the electronic wireless communication devices.
A method for initiating payment transactions from a payment terminal application on a mobile electronic device may include displaying, on a display screen of the mobile electronic device, a first indicia corresponding to a wireless communication antenna location of the mobile electronic device, receiving, at the wireless communication antenna of the mobile electronic device, a first signal from an antenna located in the payment instrument, the first signal received at a first time, receiving, at the wireless communication antenna of the mobile electronic device, a second signal from the antenna located in the payment instrument, the second signal received at a second time later than the first time, determining a difference in a signal strength between the first and second signals, and displaying, on the display screen of the mobile electronic device, a second indicia based on the determined difference in signal strength.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06F 21/34 - User authentication involving the use of external additional devices, e.g. dongles or smart cards
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
H04W 12/04 - Key management, e.g. using generic bootstrapping architecture [GBA]
H04B 5/77 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for interrogation
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
H04W 12/67 - Risk-dependent, e.g. selecting a security level depending on risk profiles
The invention relates generally to secure data entry devices and methods of using such devices. A secure data entry device is provided that includes an integrated imaging device arranged such that it captures at least one image of a user during a transaction. The at least one image is processed in order to generate a biometric pattern. In one embodiment the at least one image includes a user's face and the processing involves applying a facial recognition algorithm to the at least one image to generate the biometric pattern. In some embodiments the biometric pattern is compared to a trusted biometric pattern in order to determine whether to approve or decline the transaction.
G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
H04W 12/126 - Anti-theft arrangements, e.g. protection against subscriber identity module [SIM] cloning
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04L 29/06 - Communication control; Communication processing characterised by a protocol
The invention relates generally to the provisioning of payment instruments onto electronic devices such as a mobile telephone, tablet, laptop or wearable, and in particular to securely provisioning payment instrument for which authorization for the provisioning must be provided by a payment instrument issuer. A first embodiment is provided in which data that is generated during a transaction is received by an electronic device and transmitted from the electronic device to a server associated with an acquirer. The data received from the electronic device is compared to the data generated during the transaction and, if these match, provisioning is authorized. A second embodiment is provided in which a server associated with an acquirer generates an identification message that is separate from but based on a response message associated with a transaction, and provisioning is authorized or declined select module based on the identification message.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06K 7/14 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
The present disclosure is drawn to, among other things, a method of providing a payment terminal application on an electronic device, the electronic device comprising a volatile storage module, a user input module and a network interface module. In some aspects the method includes receiving user credentials from the user input module, transmitting an authentication request message to a remote data center via the network interface module, the authentication request message including the user credentials, receiving an authentication response message from the remote data center, the authentication response message including an indication as to whether authentication was successful, and if the authentication was successful, receiving at least one encryption key from the remote data center; and storing the at least one encryption key in the volatile storage module.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
H04W 12/04 - Key management, e.g. using generic bootstrapping architecture [GBA]
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
H04W 12/67 - Risk-dependent, e.g. selecting a security level depending on risk profiles
From a first aspect, a method, computer readable storage medium, and terminal is provided, wherein the method provides an application-based payment terminal on an electronic device. The method comprises: receiving user credentials from the user input module; transmitting an authentication request message to a remote data centre via the network interface module, the authentication request message including the user credentials; receiving an authentication response message from the remote data centre, the authentication response message including an indication as to whether authentication was successful; and in the event authentication was successful, the method further comprising provisioning the application- based payment terminal on the electronic device by: receiving at least one encryption key from the data centre; and storing the at least one encryption key in the volatile storage module. From another aspect, a method of generating an indicia representative of the location of a radio frequency identification antenna within an electronic device is provided. From a further aspect, a method of determining the proximity of an antenna located in a payment instrument to a wireless communication antenna located within an electronic device, is provided.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
H04B 17/309 - Measuring or estimating channel quality parameters
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
61.
Tamper-proofing and identity validation in a secure electronic transaction processing system
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed. A tamper-proof transaction processing device is provided and comprises at least two different strength adhesives to secure parts of the device together and a housing comprising at least a first and second protective layer. An electronic component comprising a secure element chip storing unique information relating to the chip is located between the first and second protective layer in the housing. In another aspect, a transaction processing system includes a payment instrument that is configured to approve only negative value and/or zero value transaction requests. Another aspect provides an identity card checking system and method where the identity card is brought into proximity of a data processing device and identity information is displayed on the screen of the data processing device for the period of time while the card is in proximity.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06K 19/14 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by radiation
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Software as a service (SAAS) provider in the field of software for business accounting, namely, providing online non-downloadable analytics software for characterizing payments and payment related transactions.
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
38 - Telecommunications services
42 - Scientific, technological and industrial services, research and design
45 - Legal and security services; personal services for individuals.
Goods & Services
(1) Computer programs for processing of financial payments involving enabling card verification and authorisation, fraud checking, and secure transfer of money for merchant accounts; computer hardware and software comprising a digital wallet that stores customer account information; apparatus, namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for payment with magnetically encoded cards being credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details ; apparatus, namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for payment with magnetic memory cards being credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details; automatic payment machines; cards for cashless payment systems namely credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details; magnetic payment cards namely credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details; payment cards being magnetically encoded namely credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details; read out apparatus namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals for use in the authentication of cashless payment means; read out apparatus namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals for use in the identification of cashless payment means; tariff devices for recording payment namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals; terminals namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for electronically processing credit card payments and for the electronic payment of charges with credit cards; computers for the processing and analysis of payment transaction data ; automatic vending machines and mechanisms for coin-operated apparatus; cash registers, computer for micro-programming, software for analysis of payment transaction data; software for the provision of electronic wallets; software for the provision of digital wallets; software for processing electronic payments; software for processing online funds transfers; software for processing payments by enabling payment card verification and authorisation; software for identification verification, identity theft prevention and fraud prevention in relation to payment processing; software for the secure transfer of money; software for fraud screening in relation to electronic payment processing; software for secure capturing of cardholder data in relation to electronic payment processing; software for secure handling of financial transaction data; software for the collection, storage, processing and transmitting of payment transaction data; electronic apparatus and equipment for remote connection to a computer network and telecommunications, data processing equipment and computers namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for use in processing financial transactions; electronic data carrier cards namely charge cards, prepaid cash cards, credit cards, debit cards, gift voucher cards; encoded magnetic card readers, electronic data carrier card readers namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals for reading, authenticating and verifying credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards and microchips containing account details and for processing financial payments electronically from the said cards, electronic data encryption units for the purposes of secure transfer of electronic funds and for the prevention of fraudulent payment transactions; computer hardware, computer terminals, computer peripheral devices namely electronic chargers for use with PED (pin entry device) and POS (point of sale) terminals and card readers; electronic apparatus namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pinentry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for use in processing financial transactions; computer software relating to the handling of financial transactions namely payments by charge cards, credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards and microchips containing account details ; computer software applications for enabling payment card verification and authorisation, identification verification, identity theft prevention and fraud prevention, fraud checking; computer software applications for the secure transfer of funds; computer software applications for processing electronic payment transactions; computer software applications for the analysis of payment transaction data; electronic verification apparatus namely web-enabled, wired, wireless and handheld payment card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for verifying authenticity of credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards and microchips containing account details ; parts and fittings for the aforesaid goods; electronic publications relating to analysis of payment transaction data; downloadable data namely downloadable publications and software for the analysis of payment transactions; electronic publications relating to research on financial issues and research into payment transaction data and white papers relating to research and analysis of financial transactions trends; Cheque books; newsletters, magazines, pamphlets, leaflets, newspapers and periodicals, in the field of financial services namely services relating to the secure transfer of electronic funds, money exchange services, currency conversion services, exchange of data between financial institutions and their customers, analysis of payment transaction data, research on financial issues and research into payment transaction data and white papers relating to research and analysis of financial transactions trends; printed service guides and services brochures for financial services; printed forms and statements for financial services namely services relating to the secure transfer of electronic funds, money exchange services, currency conversion services, multi-currency exchange and settlement services, exchange of data between financial institutions and their customers, analysis of payment transaction data, research on financial issues and research into payment transaction data, analysis and consultation in relation to exchange of data between financial institutions and their customers, research and analysis of financial transactions trends ; printed plastic cards (other than encoded or magnetic) being credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards; plastic covered cards bearing printed matter being credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards; money orders, money drafts, cheques, cheque books, travellers' cheques; document wallets; vouchers of value, coupons; catalogues. (1) Advertising services for the benefit of third parties and Promotional services offered through loyalty point programs, coupons; compilation of payment transaction data relating to goods for purchase; bookkeeping and accounting services; tax and taxation assessments and advice; preparation and compilation of income and corporate tax returns data processing services; information, advisory and consultancy services relating to data processing; user incentive schemes relating to use of credit cards, store cards, charge cards, cash cards, debit cards, payment cards; consumer loyalty, incentive and bonus programs for the promotion of wares and services relating to the use of credit cards, store cards, charge cards, prepaid cash cards, debit cards, payment cards; promoting the sale of wares and services through a consumer loyalty programme; information, advisory and consultancy services related to all the aforesaid services; Financial services namely the secure transfer of electronic funds, processing of electronic payment transactions, financial payment processing services, money exchange services, currency conversion services, multi-currency exchange and settlement services, secure exchange of electronic payment transaction data between financial institutions and their customers, financial analysis services; credit card, debit card, store card, bank card, charge card, gift voucher card, other payment card authorisation services; electronic funds transfer and payment services; processing of transactions made by credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; card to card transfer and payments; processing of credit and debit transactions by means of telephone and internet; issue and redemption of tokens, coupons and vouchers of value; currency exchange services; electronic wallet services (payment services) namely the processing of electronic funds payment transactions from electronic wallet accounts; E-wallet account services, namely the provision of online electronic money accounts (e-wallet 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 the Internet; point of sale payment services; mail payment services; telephone payment services; recurring payment services; merchant account services namely services relating to processing of financial payments made by credit cards, debit cards, charge cards, gift voucher cards, store cards, payment cards and other cards containing microchips with account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening, identification verification, identity theft prevention and fraud prevention; merchant account services namely secure handling of online financial transaction data; merchant account services for secure transfer of money between merchant accounts, their customers and banks; merchant account services namely analysis of financial transaction data for merchants; financial risk management; insurance; identity theft and fraud prevention services relating to processing of financial payments made by prepaid cash cards , credit cards, debit cards, charge cards, gift voucher cards, store cards, stored value payment cards and other cards containing microchips with bank account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening; financial risk management; financial services being financial analysis and consultation, in relation to payment transaction data and exchange of financial data between financial institutions and their customers, financial services relating to analysis of payment transaction data; monetary affairs services being cross border multi-currency exchange services; information, advisory and consultancy services related to all the aforesaid services; Installation, maintenance, repair and updating of electronic data capture and transmission systems for the purposes of electronic funds transfer; installation, maintenance, repair, updating of card readers and electronic apparatus namely POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software all for handling financial and associated transactions -namely authorisation and processing of payments made with credit cards, debit cards, store cards, prepaid cash cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; installation, maintenance, repair and updating of electronic apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for retrieving information stored on credit cards, debit cards, store cards, prepaid cash cards , charge cards, gift voucher cards, other payment cards and microchips containing account details; installation, maintenance, repair and updating of electronic verification apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for verifying authenticity of credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; information, advisory and consultancy services related to all the aforesaid services; Advisory and consultancy services, all relating to electronic data capture and transmission systems for the purposes of electronic funds transfer from points of sale; receipt and delivery of messages, documents and other data by electronic transmission namely by means of telephone and internet; receipt and delivery of messages, documents and payment transaction data via the Internet; provision of electronic communication links namely wired and wireless internet and telephonic links for the purposes of secure electronic funds transfers and payment transactions; dissemination by email of vouchers, voucher codes, gift codes, claim codes, discount offers, promotional offers, coupons and printable vouchers enabling customers to conveniently view and redeem tokens of value by means of the Internet; providing access to computer servers, databases and networks; providing access to the Internet; providing multiple user access to a global computer network; and access to the Internet; telecommunication gateway services; services of geo-location and tracking of financial transactions and transmitting transaction specific location data over the internet; leasing of access time to databases containing financial transaction data; information, advisory and consultancy services related to all the aforesaid services; Updating software of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of card readers and electronic apparatus namely POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software all for handling financial and associated transactions namely authorisation and processing of payments made with credit cards, debit cards, store cards, prepaid cash cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring of electronic apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for retrieving information stored on credit cards, debit cards, store cards, prepaid cash cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring updating of electronic verification apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for verifying authenticity of credit cards, debit cards, store cards, prepaid cash cards charge cards, gift voucher cards, other payment cards and microchips containing account details; design and development of computer hardware and software; computer software and programming services; providing temporary use of non-downloadable computer software for preparing invoices and for tracking packages over computer networks, intranets and the internet; providing temporary use of non-downloadable computer software broadcasting geographical data received using a global positioning system; financial analysis namely computerised analysis of financial transaction data; application service provider (ASP) services featuring mobile phone and wireless handheld computer applications software for use in enabling users to make electronic payments and to receive, redeem, and manage electronic receipts and electronic coupons; lease, hire and rental of computer equipment, hardware, software and programs; electronic data encryption services; electronic signature verification and authorisation services; digital signature verification and authorisation services; information, advisory and consultancy services related to all the aforesaid services; Identity theft and fraud prevention services; information, advisory and consultancy services related to all the aforesaid services.
(2) Compilation of payment transaction data relating to goods for purchase; bookkeeping and accounting services; information, advisory and consultancy services relating to data processing; user incentive schemes relating to use of credit cards, store cards, charge cards, cash cards, debit cards, payment cards; information, advisory and consultancy services related to all the aforesaid services; Financial services namely the secure transfer of electronic funds, processing of electronic payment transactions, financial payment processing services, money exchange services, currency conversion services, multi-currency exchange and settlement services, secure exchange of electronic payment transaction data between financial institutions and their customers, financial analysis services; credit card, debit card, store card, bank card, charge card, gift voucher card, other payment card authorisation services; electronic funds transfer and payment services; processing of transactions made by credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; card to card transfer and payments; processing of credit and debit transactions by means of telephone and internet; issue and redemption of tokens, coupons and vouchers of value; currency exchange services; electronic wallet services (payment services) namely the processing of electronic funds payment transactions from electronic wallet accounts; E-wallet account services, namely the provision of online electronic money accounts (e-wallet 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 the Internet; point of sale payment services; mail payment services; telephone payment services; recurring payment services; merchant account services namely services relating to processing of financial payments made by credit cards, debit cards, charge cards, gift voucher cards, store cards, payment cards and other cards containing microchips with account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening, identification verification, identity theft prevention and fraud prevention; merchant account services namely secure handling of online financial transaction data; merchant account services for secure transfer of money between merchant accounts, their customers and banks; merchant account services namely analysis of financial transaction data for merchants; financial risk management; identity theft and fraud prevention services relating to processing of financial payments made by prepaid cash cards , credit cards, debit cards, charge cards, gift voucher cards, store cards, stored value payment cards and other cards containing microchips with bank account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening; financial risk management; financial services being financial analysis and consultation, in relation to payment transaction data and exchange of financial data between financial institutions and their customers, financial services relating to analysis of payment transaction data; monetary affairs services being cross border multi-currency exchange services; information, advisory and consultancy services related to all the aforesaid services; Advisory and consultancy services, all relating to electronic data capture and transmission systems for the purposes of electronic funds transfer from points of sale; receipt and delivery of messages, documents and other data by electronic transmission namely by means of telephone and internet; receipt and delivery of messages, documents and payment transaction data via the Internet; provision of electronic communication links namely wired and wireless internet and telephonic links for the purposes of secure electronic funds transfers and payment transactions; providing access to computer servers, databases and networks; telecommunication gateway services; services of geo-location and tracking of financial transactions and transmitting transaction specific location data over the internet; information, advisory and consultancy services related to all the aforesaid services; Updating software of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of electronic data capture and transmission systems for the purposes of electronic funds transfer; computer software and programming services; financial analysis namely computerised analysis of financial transaction data; application service provider (ASP) services featuring mobile phone and wireless handheld computer applications software for use in enabling users to make electronic payments and to receive, redeem, and manage electronic receipts and electronic coupons; lease, hire and rental of computer equipment, hardware, software and programs; electronic data encryption services; electronic signature verification and authorisation services; digital signature verification and authorisation services; information, advisory and consultancy services related to all the aforesaid services; Identity theft and fraud prevention services; information, advisory and consultancy services related to all the aforesaid services.
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
38 - Telecommunications services
42 - Scientific, technological and industrial services, research and design
45 - Legal and security services; personal services for individuals.
Goods & Services
(1) Cheque books; newsletters, magazines, pamphlets, leaflets, newspapers and periodicals, all relating to the provision of financial services; printed invitations; printed service guides and services brochures for financial services; printed forms and statements for financial services; printed plastic cards (other than encoded or magnetic); plastic covered cards bearing printed matter; money orders, money drafts, cheques, cheque books, travellers' cheques; document wallets; vouchers of value, coupons; catalogues. (1) Advertising services for the benefit of third parties and Promotional services offered through loyalty point programs, coupons; compilation of payment transaction data relating to goods for purchase; bookkeeping and accounting services; tax and taxation assessments and advice; preparation and compilation of income and corporate tax returns data processing services; information, advisory and consultancy services relating to data processing; user incentive schemes relating to use of credit cards, store cards, charge cards, cash cards, debit cards, payment cards; consumer loyalty, incentive and bonus programs for the promotion of wares and services relating to the use of credit cards, store cards, charge cards, prepaid cash cards, debit cards, payment cards; promoting the sale of wares and services through a consumer loyalty programme; information, advisory and consultancy services related to all the aforesaid services; Financial services namely the secure transfer of electronic funds, processing of electronic payment transactions, financial payment processing services, money exchange services, currency conversion services, multi-currency exchange and settlement services, secure exchange of electronic payment transaction data between financial institutions and their customers, financial analysis services; credit card, debit card, store card, bank card, charge card, gift voucher card, other payment card authorisation services; electronic funds transfer and payment services; processing of transactions made by credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; card to card transfer and payments; processing of credit and debit transactions by means of telephone and internet; issue and redemption of tokens, coupons and vouchers of value; currency exchange services; electronic wallet services (payment services) namely the processing of electronic funds payment transactions from electronic wallet accounts; E-wallet account services, namely the provision of online electronic money accounts (e-wallet 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 the Internet; point of sale payment services; mail payment services; telephone payment services; recurring payment services; merchant account services namely services relating to processing of financial payments made by credit cards, debit cards, charge cards, gift voucher cards, store cards, payment cards and other cards containing microchips with account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening, identification verification, identity theft prevention and fraud prevention; merchant account services namely secure handling of online financial transaction data; merchant account services for secure transfer of money between merchant accounts, their customers and banks; merchant account services namely analysis of financial transaction data for merchants; financial risk management; insurance; identity theft and fraud prevention services relating to processing of financial payments made by prepaid cash cards , credit cards, debit cards, charge cards, gift voucher cards, store cards, stored value payment cards and other cards containing microchips with bank account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening; financial risk management; financial services being financial analysis and consultation, in relation to payment transaction data and exchange of financial data between financial institutions and their customers, financial services relating to analysis of payment transaction data; monetary affairs services being cross border multi-currency exchange services; information, advisory and consultancy services related to all the aforesaid services; Installation, maintenance, repair and updating of electronic data capture and transmission systems for the purposes of electronic funds transfer; installation, maintenance, repair, updating of card readers and electronic apparatus namely POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software all for handling financial and associated transactions -namely authorisation and processing of payments made with credit cards, debit cards, store cards, prepaid cash cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; installation, maintenance, repair and updating of electronic apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for retrieving information stored on credit cards, debit cards, store cards, prepaid cash cards , charge cards, gift voucher cards, other payment cards and microchips containing account details; installation, maintenance, repair and updating of electronic verification apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for verifying authenticity of credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; information, advisory and consultancy services related to all the aforesaid services; Advisory and consultancy services, all relating to electronic data capture and transmission systems for the purposes of electronic funds transfer from points of sale; receipt and delivery of messages, documents and other data by electronic transmission namely by means of telephone and internet; receipt and delivery of messages, documents and payment transaction data via the Internet; provision of electronic communication links namely wired and wireless internet and telephonic links for the purposes of secure electronic funds transfers and payment transactions; dissemination by email of vouchers, voucher codes, gift codes, claim codes, discount offers, promotional offers, coupons and printable vouchers enabling customers to conveniently view and redeem tokens of value by means of the Internet; providing access to computer servers, databases and networks; providing access to the Internet; providing multiple user access to a global computer network; and access to the Internet; telecommunication gateway services; services of geo-location and tracking of financial transactions and transmitting transaction specific location data over the internet; leasing of access time to databases containing financial transaction data; information, advisory and consultancy services related to all the aforesaid services; Updating software of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of card readers and electronic apparatus namely POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software all for handling financial and associated transactions namely authorisation and processing of payments made with credit cards, debit cards, store cards, prepaid cash cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring of electronic apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for retrieving information stored on credit cards, debit cards, store cards, prepaid cash cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring updating of electronic verification apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for verifying authenticity of credit cards, debit cards, store cards, prepaid cash cards charge cards, gift voucher cards, other payment cards and microchips containing account details; design and development of computer hardware and software; computer software and programming services; providing temporary use of non-downloadable computer software for preparing invoices and for tracking packages over computer networks, intranets and the internet; providing temporary use of non-downloadable computer software broadcasting geographical data received using a global positioning system; financial analysis namely computerised analysis of financial transaction data; application service provider (ASP) services featuring mobile phone and wireless handheld computer applications software for use in enabling users to make electronic payments and to receive, redeem, and manage electronic receipts and electronic coupons; lease, hire and rental of computer equipment, hardware, software and programs; electronic data encryption services; electronic signature verification and authorisation services; digital signature verification and authorisation services; information, advisory and consultancy services related to all the aforesaid services; Identity theft and fraud prevention services; information, advisory and consultancy services related to all the aforesaid services.
(2) Compilation of data relating to goods for purchase; bookkeeping and accounting services; information, advisory and consultancy services relating to data processing; information, advisory and consultancy services related to all the aforesaid services; Advisory and consultancy services, all relating to electronic data capture and transmission systems for the purposes of electronic funds transfer from points of sale; receipt and delivery of messages, documents and other data by electronic transmission; receipt and delivery of messages, documents and payment account and payment transaction data via the Internet for secure processing of electronic funds payment transactions by enabling card verification and authorisation, identification verification, identity theft prevention and fraud prevention, secure transfer of money, fraud screening in relation to electronic card payment processing, secure capturing of cardholder data, secure handling of financial transaction data and the collection, storage, processing and transmitting of card payment data; provision of electronic communication links namely wired and wireless internet and telephonic links for the purposes of secure electronic funds transfers and payment transactions; providing access to computer servers, databases and networks; telecommunication gateway services; services of geo-location and tracking of financial transactions and transmitting transaction specific location data over the internet; information, advisory and consultancy services related to all the aforesaid services Updating software of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of electronic data capture and transmission systems for the purposes of electronic funds transfer; computer software programming services for the secure processing of electronic funds payment transactions by enabling card verification and authorisation, identification verification, identity theft prevention and fraud prevention, secure transfer of money, fraud screening in relation to electronic card payment processing, secure electronic payment processing, secure capturing of cardholder data, secure handling of financial transaction data and the collection, storage, processing and transmitting of card payment data; financial analysis namely computerised analysis of financial transaction data; application service provider (ASP) services featuring mobile phone and wireless handheld computer applications software for use in enabling users to make electronic payments and to receive, redeem, and manage electronic receipts and electronic coupons; ; lease, hire and rental of computer equipment, hardware, software and programs; encryption services; electronic signature verification and authorisation services; digital signature verification and authorisation services; information, advisory and consultancy services related to all the aforesaid services.
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
38 - Telecommunications services
42 - Scientific, technological and industrial services, research and design
45 - Legal and security services; personal services for individuals.
Goods & Services
(1) Computer programs for processing of financial payments involving enabling card verification and authorisation, fraud checking, and secure transfer of money for merchant accounts; computer hardware and software comprising a digital wallet that stores customer account information; apparatus, namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for payment with magnetically encoded cards being credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details ; apparatus, namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for payment with magnetic memory cards being credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details; automatic payment machines; cards for cashless payment systems namely credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details; magnetic payment cards namely credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details; payment cards being magnetically encoded namely credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards, and microchips containing account details; read out apparatus namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals for use in the authentication of cashless payment means; read out apparatus namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals for use in the identification of cashless payment means; tariff devices for recording payment namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals; terminals namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for electronically processing credit card payments and for the electronic payment of charges with credit cards; computers for the processing and analysis of payment transaction data ; automatic vending machines and mechanisms for coin-operated apparatus; cash registers, computer for micro-programming, software for analysis of payment transaction data; software for the provision of electronic wallets; software for the provision of digital wallets; software for processing electronic payments; software for processing online funds transfers; software for processing payments by enabling payment card verification and authorisation; software for identification verification, identity theft prevention and fraud prevention in relation to payment processing; software for the secure transfer of money; software for fraud screening in relation to electronic payment processing; software for secure capturing of cardholder data in relation to electronic payment processing; software for secure handling of financial transaction data; software for the collection, storage, processing and transmitting of payment transaction data;, ; electronic apparatus and equipment for remote connection to a computer network and telecommunications, data processing equipment and computers namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for use in processing financial transactions; electronic data carrier cards namely charge cards, prepaid cash cards, credit cards, debit cards, gift voucher cards,; encoded magnetic card readers, electronic data carrier card readers namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals for reading, authenticating and verifying credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards and microchips containing account details and for processing financial payments electronically from the said cards, electronic data encryption units for the purposes of secure transfer of electronic funds and for the prevention of fraudulent payment transactions; computer hardware, computer terminals, computer peripheral devices namely electronic chargers for use with PED (pin entry device) and POS (point of sale) terminals and card readers; , electronic apparatus namely web-enabled, wired, wireless and handheld card readers, POS (point of sale) terminals, PEDs (pinentry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for use in processing financial transactions; computer software relating to the handling of financial transactions namely payments by charge cards, , credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards and microchips containing account details ; computer software applications for enabling payment card verification and authorisation, identification verification, identity theft prevention and fraud prevention, fraud checking; computer software applications for the secure transfer of funds; computer software applications for processing electronic payment transactions; computer software applications for the analysis of payment transaction data; electronic verification apparatus namely web-enabled, wired, wireless and handheld payment card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for verifying authenticity of credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards and microchips containing account details ; parts and fittings for the aforesaid goods; electronic publications relating to analysis of payment transaction data; downloadable data namely downloadable publications and software for the analysis of payment transactions; ; electronic publications relating to research on financial issues and research into payment transaction data and white papers relating to research and analysis of financial transactions trends; Cheque books; newsletters, magazines, pamphlets, leaflets, newspapers and periodicals, in the field of financial services namely services relating to the secure transfer of electronic funds, money exchange services, currency conversion services, exchange of data between financial institutions and their customers, analysis of payment transaction data, research on financial issues and research into payment transaction data and white papers relating to research and analysis of financial transactions trends; printed service guides and services brochures for financial services; printed forms and statements for financial services namely services relating to the secure transfer of electronic funds, money exchange services, currency conversion services, multi-currency exchange and settlement services, exchange of data between financial institutions and their customers, analysis of payment transaction data, research on financial issues and research into payment transaction data, analysis and consultation in relation to exchange of data between financial institutions and their customers, research and analysis of financial transactions trends ; printed plastic cards (other than encoded or magnetic) being credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards; plastic covered cards bearing printed matter being credit cards, debit cards, store cards, charge cards, gift voucher cards, prepaid cash cards; money orders, money drafts, cheques, cheque books, travellers' cheques; document wallets; vouchers of value, coupons; catalogues. (1) Advertising services for the benefit of third parties and Promotional services offered through loyalty point programs, coupons; compilation of payment transaction data relating to goods for purchase; bookkeeping and accounting services; tax and taxation assessments and advice; preparation and compilation of income and corporate tax returns data processing services; information, advisory and consultancy services relating to data processing; user incentive schemes relating to use of credit cards, store cards, charge cards, cash cards, debit cards, payment cards; consumer loyalty, incentive and bonus programs for the promotion of wares and services relating to the use of credit cards, store cards, charge cards, prepaid cash cards, debit cards, payment cards; promoting the sale of wares and services through a consumer loyalty programme; information, advisory and consultancy services related to all the aforesaid services; Financial services namely the secure transfer of electronic funds, processing of electronic payment transactions, financial payment processing services, money exchange services, currency conversion services, multi-currency exchange and settlement services, secure exchange of electronic payment transaction data between financial institutions and their customers, financial analysis services; credit card, debit card, store card, bank card, charge card, gift voucher card, other payment card authorisation services; electronic funds transfer and payment services; processing of transactions made by credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; card to card transfer and payments; processing of credit and debit transactions by means of telephone and internet; issue and redemption of tokens, coupons and vouchers of value; currency exchange services; electronic wallet services (payment services) namely the processing of electronic funds payment transactions from electronic wallet accounts; E-wallet account services, namely the provision of online electronic money accounts (e-wallet 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 the Internet; point of sale payment services; mail payment services; telephone payment services; recurring payment services; merchant account services namely services relating to processing of financial payments made by credit cards, debit cards, charge cards, gift voucher cards, store cards, payment cards and other cards containing microchips with account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening, identification verification, identity theft prevention and fraud prevention; merchant account services namely secure handling of online financial transaction data; merchant account services for secure transfer of money between merchant accounts, their customers and banks; merchant account services namely analysis of financial transaction data for merchants; financial risk management; insurance; identity theft and fraud prevention services relating to processing of financial payments made by prepaid cash cards , credit cards, debit cards, charge cards, gift voucher cards, store cards, stored value payment cards and other cards containing microchips with bank account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening; financial risk management; financial services being financial analysis and consultation, in relation to payment transaction data and exchange of financial data between financial institutions and their customers, financial services relating to analysis of payment transaction data; monetary affairs services being cross border multi-currency exchange services; information, advisory and consultancy services related to all the aforesaid services; Installation, maintenance, repair and updating of electronic data capture and transmission systems for the purposes of electronic funds transfer; installation, maintenance, repair, updating of card readers and electronic apparatus namely POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software all for handling financial and associated transactions -namely authorisation and processing of payments made with credit cards, debit cards, store cards, prepaid cash cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; installation, maintenance, repair and updating of electronic apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for retrieving information stored on credit cards, debit cards, store cards, prepaid cash cards , charge cards, gift voucher cards, other payment cards and microchips containing account details; installation, maintenance, repair and updating of electronic verification apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for verifying authenticity of credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; information, advisory and consultancy services related to all the aforesaid services; Advisory and consultancy services, all relating to electronic data capture and transmission systems for the purposes of electronic funds transfer from points of sale; receipt and delivery of messages, documents and other data by electronic transmission namely by means of telephone and internet; receipt and delivery of messages, documents and payment transaction data via the Internet; provision of electronic communication links namely wired and wireless internet and telephonic links for the purposes of secure electronic funds transfers and payment transactions; dissemination by email of vouchers, voucher codes, gift codes, claim codes, discount offers, promotional offers, coupons and printable vouchers enabling customers to conveniently view and redeem tokens of value by means of the Internet; providing access to computer servers, databases and networks; providing access to the Internet; providing multiple user access to a global computer network; and access to the Internet; telecommunication gateway services; services of geo-location and tracking of financial transactions and transmitting transaction specific location data over the internet; leasing of access time to databases containing financial transaction data; information, advisory and consultancy services related to all the aforesaid services; Updating software of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of card readers and electronic apparatus namely POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software all for handling financial and associated transactions namely authorisation and processing of payments made with credit cards, debit cards, store cards, prepaid cash cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring of electronic apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for retrieving information stored on credit cards, debit cards, store cards, prepaid cash cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring updating of electronic verification apparatus namely card readers, POS (point of sale) terminals, PEDs (pin entry terminals), contactless payment terminals, fixed and mobile computers containing payment page software for verifying authenticity of credit cards, debit cards, store cards, prepaid cash cards charge cards, gift voucher cards, other payment cards and microchips containing account details; design and development of computer hardware and software; computer software and programming services; providing temporary use of non-downloadable computer software for preparing invoices and for tracking packages over computer networks, intranets and the internet; providing temporary use of non-downloadable computer software broadcasting geographical data received using a global positioning system; financial analysis namely computerised analysis of financial transaction data; application service provider (ASP) services featuring mobile phone and wireless handheld computer applications software for use in enabling users to make electronic payments and to receive, redeem, and manage electronic receipts and electronic coupons; lease, hire and rental of computer equipment, hardware, software and programs; electronic data encryption services; electronic signature verification and authorisation services; digital signature verification and authorisation services; information, advisory and consultancy services related to all the aforesaid services; Identity theft and fraud prevention services; information, advisory and consultancy services related to all the aforesaid services.
(2) Compilation of payment transaction data relating to goods for purchase; bookkeeping and accounting services; information, advisory and consultancy services relating to data processing; user incentive schemes relating to use of credit cards, store cards, charge cards, cash cards, debit cards, payment cards; information, advisory and consultancy services related to all the aforesaid services; Financial services namely the secure transfer of electronic funds, processing of electronic payment transactions, financial payment processing services, money exchange services, currency conversion services, multi-currency exchange and settlement services, secure exchange of electronic payment transaction data between financial institutions and their customers, financial analysis services; credit card, debit card, store card, bank card, charge card, gift voucher card, other payment card authorisation services; electronic funds transfer and payment services; processing of transactions made by credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; card to card transfer and payments; processing of credit and debit transactions by means of telephone and internet; issue and redemption of tokens, coupons and vouchers of value; currency exchange services; electronic wallet services (payment services) namely the processing of electronic funds payment transactions from electronic wallet accounts; E-wallet account services, namely the provision of online electronic money accounts (e-wallet 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 the Internet; point of sale payment services; mail payment services; telephone payment services; recurring payment services; merchant account services namely services relating to processing of financial payments made by credit cards, debit cards, charge cards, gift voucher cards, store cards, payment cards and other cards containing microchips with account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening, identification verification, identity theft prevention and fraud prevention; merchant account services namely secure handling of online financial transaction data; merchant account services for secure transfer of money between merchant accounts, their customers and banks; merchant account services namely analysis of financial transaction data for merchants; financial risk management; identity theft and fraud prevention services relating to processing of financial payments made by prepaid cash cards, credit cards, debit cards, charge cards, gift voucher cards, store cards, stored value payment cards and other cards containing microchips with bank account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening; financial risk management; financial services being financial analysis and consultation, in relation to payment transaction data and exchange of financial data between financial institutions and their customers, financial services relating to analysis of payment transaction data; monetary affairs services being cross border multi-currency exchange services; information, advisory and consultancy services related to all the aforesaid services; Advisory and consultancy services, all relating to electronic data capture and transmission systems for the purposes of electronic funds transfer from points of sale; receipt and delivery of messages, documents and other data by electronic transmission namely by means of telephone and internet; receipt and delivery of messages, documents and payment transaction data via the Internet; provision of electronic communication links namely wired and wireless internet and telephonic links for the purposes of secure electronic funds transfers and payment transactions; providing access to computer servers, databases and networks; telecommunication gateway services; services of geo-location and tracking of financial transactions and transmitting transaction specific location data over the internet; information, advisory and consultancy services related to all the aforesaid services; Updating software of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of electronic data capture and transmission systems for the purposes of electronic funds transfer; computer software and programming services; financial analysis namely computerised analysis of financial transaction data; application service provider (ASP) services featuring mobile phone and wireless handheld computer applications software for use in enabling users to make electronic payments and to receive, redeem, and manage electronic receipts and electronic coupons; lease, hire and rental of computer equipment, hardware, software and programs; electronic data encryption services; electronic signature verification and authorisation services; digital signature verification and authorisation services; information, advisory and consultancy services related to all the aforesaid services; Identity theft and fraud prevention services; information, advisory and consultancy services related to all the aforesaid services.
09 - Scientific and electric apparatus and instruments
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer programs; computer programs for processing of financial payments involving enabling card verification and authorisation, fraud checking, and secure transfer of money for merchant accounts; computer hardware and software comprising a digital wallet that stores customer account information; apparatus for payment with magnetically encoded cards; apparatus for payment with magnetic memory cards; apparatus for receiving cash payments being credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards or other payment cards and microchips containing account details; apparatus for receiving cash payments; automatic payment machines; devices incorporating microprocessors for use in fare payments on public transport; machine readable devices for cashless payment systems; magnetic payment cards; payment cards being magnetically encoded; read out apparatus for use in the authentication of cashless payment means; read out apparatus for use in the identification of cashless payment means; tariff devices for recording payment; terminals for electronically processing credit card payments; terminals for the electronic payment of charges with credit cards; scientific apparatus and instruments including telecommunications, signalling, checking (supervision), and teaching apparatus; magnetic data carriers, acoustic disks; mechanisms for coin-operated apparatus; cash registers, calculating machines, data processing equipment and computers, computers, servers and software for telecommunications, semi-conductors, microprocessors, integrated circuits, computer for micro-programming, software, computer memories, computer peripherals, data processing units and their parts; electronic apparatus and equipment for remote connection to a computer network and/or telecommunications, data processing equipment and computers; electronic data carrier cards, charge cards, bank cards, credit cards, debit cards, stored value cards, payment cards; encoded magnetic card readers, electronic data carrier card readers, electronic encryption units; computer hardware, computer terminals, computer peripheral devices and computer software, electronic apparatus for use in processing financial transactions; computer software relating to the handling of financial transactions such as payments by charge cards, bank cards, credit cards, debit cards, stored value cards and payment cards; computer software applications; electronic verification apparatus for verifying authenticity of bank cards, credit cards, debit cards, charge cards, stored value and/or payment cards; parts and fittings for the aforesaid goods; electronic publications; downloadable data including publications and software; electronic publications relating to research on financial issues and research into payment transaction data and white papers relating to research and analysis of financial transactions trends. Banking services; online banking services; credit card, debit card, store card, bank card, charge card, gift voucher card, other payment card authorisation services; electronic funds transfer and payment services; processing of transactions made by credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; card to card transfer and mobile banking and payments; processing of credit and debit transactions by telecommunication link; issue and redemption of tokens, coupons and vouchers of value; currency exchange services; electronic wallet services (payment services); E-wallet account services, namely the provision of online electronic money accounts (e-wallet 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 the Internet; point of sale payment services; mail payment services; telephone payment services; recurring payment services; merchant account services; financial risk management; financial services; insurance; monetary affairs; identity theft and fraud prevention services relating to processing of financial payments made by bank cards, credit cards, debit cards, charge cards, gift voucher cards, store cards, stored value payment cards and other cards containing microchips with bank account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening; services in relation to secure handling of online financial transaction data; services for secure transfer of money between banks, their customers and merchant accounts; financial risk management; financial services being financial analysis and consultation, financial exchange of data between financial institutions and their customers, financial services relating to analysis of payment transaction data; monetary affairs services being cross border multi-currency exchange services; information, advisory and consultancy services related to all the aforesaid services. Updating software of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of card readers and electronic apparatus all for handling financial and associated transactions including authorisation and processing of payments made with credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring of electronic apparatus for retrieving information stored on credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring updating of electronic verification apparatus for verifying authenticity of credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; design and development of computer hardware and software; computer software and programming services; providing temporary use of non-downloadable computer software for preparing invoices or for tracking packages over computer networks, intranets and the internet; providing temporary use of non-downloadable computer software broadcasting geographical data received using a global positioning system; computer services; application service provider (ASP) services featuring mobile phone and wireless handheld computer applications software for use in enabling users to make electronic payments and to receive, redeem, and manage electronic receipts and electronic coupons; lease, hire and rental of computer equipment, hardware, software and programs; encryption services; electronic signature verification and authorisation services; digital signature verification and authorisation services; information, advisory and consultancy services related to all the aforesaid services.
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
36 - Financial, insurance and real estate services
45 - Legal and security services; personal services for individuals.
Goods & Services
(1) Computer programs for processing of financial payments involving enabling card verification and authorisation, fraud checking, and secure transfer of money for merchant accounts; apparatus for payment with magnetically encoded cards being credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; apparatus for payment with magnetic memory cards being credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; automatic payment machines; magnetic payment cards; payment cards being magnetically encoded; terminals for electronically processing credit card payments; terminals for the electronic payment of charges with credit cards; automatic vending machines; cash registers, calculating machines, semi-conductors, microprocessors, computer for micro-programming; software for processing of financial payments involving enabling card verification and authorisation, fraud checking, and secure transfer of money for merchant accounts; software for fraud screening in relation to card payment processing for merchants; software for secure capturing of cardholder data, software for secure handling of financial transaction data; software for the collection, storage, processing and transmitting of card payment data; electronic apparatus and equipment for remote connection to a computer network and/or telecommunications, data processing equipment and computers being POS (point of sale) terminals, namely web-enabled, wired, wireless and handheld POS (point of sale) terminals and fixed and mobile PEDs (pin entry devices) and card reading apparatus for authenticating and verifying credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details and for processing financial payments electronically from the said cards; charge cards, bank cards, credit cards, debit cards, stored value cards, payment cards; encoded magnetic card readers, electronic data carrier card readers, electronic encryption units; computer hardware, computer terminals, computer peripheral devices being electronic chargers for use with PED (pin entry device) and POS (point of sale) terminals and computer software, electronic apparatus being POS (point of sale) terminals, namely web-enabled, wired, wireless and handheld POS (point of sale) terminals and fixed and mobile PEDs (pin entry devices) and card reading apparatus for use in processing financial transactions; computer software relating to the handling of financial transactions such as payments by charge cards, bank cards, credit cards, debit cards, stored value cards and payment cards; electronic verification apparatus being PEDs (pin entry devices) and card reading apparatus for verifying authenticity of bank cards, credit cards, debit cards, charge cards, stored value and/or payment cards; electronic publications relating to research on financial issues and research into payment transaction data and white papers relating to research and analysis of financial transactions trends; parts and fittings for the aforesaid goods. (1) Credit card authorisation services; electronic funds transfer and payment services; processing of transactions made by credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; currency exchange services; point of sale payment services; mail payment services; telephone payment services; recurring payment services; merchant account services namely processing of financial payments made by bank cards, credit cards, debit cards, charge cards, gift voucher cards, store cards, stored value payment cards and other cards containing microchips with bank account details in multiple currencies for merchant accounts including card authorisation, verification and fraud screening; merchant account services namely secure handling of online financial transaction data; merchant account services for secure transfer of money between banks, their customers and merchant accounts; financial risk management; financial services being financial analysis and consultation, exchange of data between financial institutions and their customers, financial services relating to analysis of payment transaction data; insurance; monetary affairs being cross border multi-currency exchange services; identity theft and fraud prevention services.
09 - Scientific and electric apparatus and instruments
16 - Paper, cardboard and goods made from these materials
35 - Advertising and business services
36 - Financial, insurance and real estate services
37 - Construction and mining; installation and repair services
42 - Scientific, technological and industrial services, research and design
45 - Legal and security services; personal services for individuals.
Goods & Services
Computer programs; apparatus for payment with magnetically encoded cards; apparatus for payment with magnetically memory cards; apparatus for receiving cash payments; automatic payment machines; devices incorporating microprocessors for use in fare payments on public transport; machine readable devices for cashless payment systems; magnetic payment cards; payment cards being magnetically encoded; read out apparatus for use in the authentication of cashless payment means; read out apparatus for use in the identification of cashless payment means; tariff devices for recording payment; terminals for electronically processing credit card payments; terminals for the electronic payment of charges with credit cards; scientific apparatus and instruments including telecommunications, signalling, checking (supervision), and teaching apparatus; magnetic data carriers, acoustic disks; automatic vending machines and mechanisms for coin-operated apparatus; cash registers, calculating machines, data processing equipment and computers, computers, servers and software for telecommunications, semi-conductors, microprocessors, integrated circuits, computer for micro-programming, software, computer memories, computer peripherals, data processing units and their parts; electronic apparatus and equipment for remote connection to a computer network and/or telecommunications, data processing equipment and computers; electronic data carrier cards, charge cards, bank cards, credit cards, debit cards, stored value cards, payment cards; encoded magnetic card readers, electronic data carrier card readers, electronic encryption units; computer hardware, computer terminals, computer peripheral devices and computer software, electronic apparatus for use in processing financial transactions; computer software relating to the handling of financial transactions such as payments by charge cards, bank cards, credit cards, debit cards, stored value cards and payment cards; electronic verification apparatus for verifying authenticity of bank cards, credit cards, debit cards, charge cards, stored value and/or payment cards; electronic publications; parts and fittings for the aforesaid goods. Paper advertising materials; cheque books; printed publications, newsletters, magazines, pamphlets, leaflets, newspapers and periodicals, all relating to the provision of financial services; printed invitations; printed service guides and services brochures for financial services; printed forms and statements for financial services; printed plastic cards (other than encoded or magnetic); plastic covered cards bearing printed matter. Data processing services; information, advisory and consultancy services relating to data processing. Banking services; online banking services; credit card authorisation services; electronic funds transfer and payment services; processing of transactions made by credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; currency exchange services; point of sale payment services; mail payment services; telephone payment services; recurring payment services; merchant account services; financial risk management; financial services; insurance; monetary affairs. Installation, maintenance, repair and updating of electronic data capture and transmission systems for the purposes of electronic funds transfer; installation, maintenance, repair, updating of card readers and electronic apparatus all for handling financial and associated transactions including authorisation and processing of payments made with credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; installation, maintenance, repair and updating of electronic apparatus for retrieving information stored on credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; installation, maintenance, repair and updating of electronic verification apparatus for verifying authenticity of credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; information, advisory and consultancy services related to all the aforesaid services. Updating software of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of electronic data capture and transmission systems for the purposes of electronic funds transfer; monitoring of card readers and electronic apparatus all for handling financial and associated transactions including authorisation and processing of payments made with credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring of electronic apparatus for retrieving information stored on credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; monitoring updating of electronic verification apparatus for verifying authenticity of credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards, other payment cards and microchips containing account details; advisory and consultancy services, all relating to electronic data capture and transmission systems for the purposes of electronic funds transfer from points of sale; information, advisory and consultancy services related to all the aforesaid services. Identity theft and fraud prevention services.
