42 Technical consulting services for assisting banking companies with integration from magnetic stripe cards to other payment schemes, card issuance, electronic purse, and multi-application implementations; technical consulting services for assisting mobile telecommunication companies with value-added payment services in the GSM (Global System for Mobile communications) environment, personalization and over-the-air customization, prepayment solutions, and security schemes therefor; technical consulting services for assisting wireline telecommunication companies with electronic purse, prepayment solutions, and security schemes therefor