Document folders in the form of wallets;

Electrical apparatus and instruments, namely, mobile telephones, smart card readers, and mobile computing devices, namely mobile payment terminals and mobile phones all using near field communication technology for facilitating commercial transactions through electronic means via wireless network, global computer network and mobile telecommunication device; computer operating system software for facilitating commercial transactions through electronic means via wireless network, global computer network and mobile telecommunication device; telecommunications equipment, namely, telephones and mobile telephones for facilitating commercial transactions through electronic means via wireless network, global computer network and mobile telecommunication device; downloadable and pre-loaded software that allows users to, access coupons, rebates, discounts, vouchers and special offers online via websites, by scanning coupons, rebates, discounts, vouchers and special offers from printed materials and by tapping on mobile phones and other mobile devices for Near Field Communication (NFC) enabled print or posters and sending such coupons, discounts, rebates, vouchers and special offers to mobile phones and other mobile telecommunication devices for redemption at retail or wholesale locations or virtual points of sale; software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless mobile commerce transactions, contactless presentation of loyalty credentials, and contactless redemption of coupons, rebates, discounts, vouchers and special offers; software application that allows merchants to deliver coupons, rebates, discounts, vouchers, and special offers directly to the mobile telecommunications devices of consumers; software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers; software application that allows merchants to deploy smart posters in retail and wholesale in-store locations that consumers can tap with their mobile telecommunications devices to access coupons, rebates, discounts, vouchers and special offers; software application that allows contactless payments; software application that allows for hosting of loyalty card credentials onto mobile telecommunication devices; software application that merchants can deploy to allow consumers to digitally transfer coupons, rebates, discounts, vouchers and special offers from websites, emails or other digital medium directly to their mobile telecommunications devices.

Promoting the goods and services of others by means of coupons, discounts, advertisements, through the administration of an incentive awards program via wireless network, mobile telecommunication devices, global computer network; dissemination of advertising for others via wireless network, mobile telecommunication devices, global computer network; promoting the goods and services of others by allowing users to, access online coupons, rebates, discounts, vouchers and special offers via websites, scan coupons, rebates, discounts, vouchers and special offers from printed materials, and tap on mobile phones and other mobile telecommunication devices for Near Field Communication-enabled promotional materials and send such coupons, rebates, discounts, vouchers and special offers to mobile phones and other mobile telecommunication devices for redemption at retail or wholesale locations or virtual points of sale; Providing an on-line and mobile directory of information regarding merchants who accept contactless mobile payments and promote goods and services through this channel.

Financial services provided by mobile telephone connections, interactive voice response over telephone connections, retail point-of-sale connections and the internet, namely, mobile banking, mobile money transfers, mobile purchasing, namely, providing electronic processing of credit/debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others, mobile multichannel payments, namely, bill payment services and loan payment services.

Software for processing electronic payments to and from users of telephones, computers and portable electronic devices; software comprising a digital or electronic wallet for storage of payment information, personal information or electronic cash or value in an electronic device or a centralized database; magnetic encoded cards to be used for payment or identification and electronic devices with an integrated circuit chip to be used for payment or identification.

Clearing and reconciling financial transactions via a computer network; providing financial services, namely, prepaid card, credit card, debit card and credit line services, processing and transmission of bills and payments thereof, and insurance for financial transactions conducted via a computer network.

The Virtual Wallet provides the infrastructure to maintain the online profile, security of the information, marketing of the anonymous data and reimbursement of the virtual wallet participants.

Appareils et équipements électriques, électromécaniques et électroniques nommément téléphones, téléphones cellulaires, ordinateurs et ordinateurs portables.

Logiciels permettant le prépaiement de comptes, la conversion de devises et le transfert de fonds et matériels informatiques nommément téléphones, téléphones cellulaires, ordinateurs et ordinateurs portables permettant la recherche et la connexion par téléphone, à des bases de données et à Internet; mécanismes pour appareils de prépaiement nommément cartes de paiement, cartes SIM, téléphones, téléphones cellulaires, ordinateurs et ordinateurs portables.

Computer hardware and software for servers and wireless handheld electronic devices configured to maintain and manipulate electronic data records representing business cards, loyalty cards, gift cards, credit/debit cards, identity cards, coupons, event badges, prepaid cards, sales receipts, event tickets, entry access cards, transit tickets/passes and appointment cards.

Consulting services in the design and provision of computer hardware and software for servers and wireless handheld electronic devices configured to maintain and manipulate electronic data records representing business cards, loyalty cards, gift cards, credit/debit cards, identity cards, coupons, event badges, prepaid cards, sales receipts, event tickets, entry access cards, transit tickets/passes and appointment cards.

Computer hardware, computer software and computer programs; computer software designed to facilitate on-line shopping at internet retailers, merchants and content providers; computer software and hardware for facilitating payments by electronic means; computer software for storage and transmission of payment card information and personal identification and billing information; computer software comprising a digital or electronic wallet for storage of payment card and personal information and electronic cash or value in a personal computer or a centralized database, computer hardware and encryption software, encryption keys digital certificates, digital signatures, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded cards and cards containing an integrated circuit chip (smart cards); charge cards, bank cards, credit cards, debit cards, pre-paid cards and payment cards; card readers, computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment; point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification, and financial information for use in the financial services, banking and telecommunications industries; radio frequency identification devices (transponders); and electronic verification apparatus and verifying authentication of charge cards, bank cards, credit cards, pre-paid cards and payment cards.

Financial services; banking and credit services; providing payment card services, electronic bill payment and presentment services, stored value electronic purse services; facilitating person-to-person payment services through electronic means; payment services involving micro-payments to internet retailers, merchants and content providers with transaction information stored in a centralized database, providing micro-payment services for internet content, including electronic documents, photographs and information; electronic funds and currency transfer services, electronic payments services, prepaid telephone calling card services, cash disbursement services, travel insurance services; transaction authorization and settlement services; provision of debit and credit services by means of radio frequency identification devices (transponders); travel insurance services; cheque verification services; issuing and redemption services all relating to travellers' cheques and travel vouchers; advisory services relation to all aforesaid services.

Cassette holders.