36 Insurance underwriting; insurance brokerage and assisting in insurance brokerage; consulting and information concerning insurance matters, namely, authentication, authorization, verification, and certification of customer data and customer identity; computerized information services about personal consumer data relating to insurance relating to the verification of data provided by consumers; financial risk assessment, appraisals and evaluations for insurance purposes; real estate brokerage services; pawn brokerage; issuance of prepaid cards and tokens of value; safe deposit box services; financial and monetary services, and banking, in particular for enabling of financial transactions via single sign-on access and general login access; financial advisory services in the field of banking, payment, credits, account debiting, access to credit balance; debt recovery and factoring services; computerized debt collection services; financial investment fund transfers and transactions, and payment services, in particular via electronic communication networks and mobile telecommunications devices; banking and financing services, in particular by using an authentication, verification and identification software to ensure secure electronical payment services via the internet and mobile communication devices; financing services via telephone, a worldwide computer network or the internet; authentication, authorization and conducting of financial transactions, in particular online financial transactions for the settlement of purchases made via the internet; arranging and conducting of financial transactions, namely, financial contracts by third parties concluded online; processing of electronic payments, namely, electronic fund transfers; processing payments made with loyalty, credit, bank, cash, voucher and payment cards, in particular online (e-commerce) and via portable communication devices m-commerce; financial advisory services related to credit cards, debit cards, stored value and prepaid cards; financial services in the nature of processing transaction payments for the purchase of goods and services via an electronic communications network; electronic processing of electronic payment transactions via the internet; online banking; electronic payment services involving electronic processing and subsequent transmission of bill payment data; electronic funds transfer; account debiting services; electronic debit transactions; financial and monetary transaction services, namely, providing secure commercial payment transactions; financial consultancy relating to the execution of cashless payment transactions; funds transfer and foreign exchange transfer via electronic communication networks; online financial transactions services, namely, providing secure commercial transactions and payment options online; bill payment services provided via wireless telecommunications apparatus and devices; verification of financial information, namely, payment verification and funds verification; arranging of bill payment services via mobile devices and the internet; bill payments made via a website; conducting cashless financial payment transactions without the use of payment cards by means of establishing (cloud-based) secure accounts that store consumer data for cashless payment of goods and services via telephone, global computer networks, mobile communication devices, the internet and television connection or at the point of sale, including by means of near field communication (NFC) or a QR code or bar code system; bank account services; financial information, namely, customer profiles and related financial transactions and flow of money in the field of cashless payment transactions; financial services related to secure electronic money transactions via public computer networks and mobile communication devices for enabling electronic commerce, namely, authentication, authorization, verification, and certification of transactional data to allow a transaction to proceed; electronic processing of payments; financial authorization via single sign-on and general login for allowing of the processing of financial transactions or for confirmation of financial transactions; financial services, namely, the provision of contactless mobile payment transactions through merchants at retail, online and other points of sale; providing cashless bill payment transaction services via digital trading of vouchers and coupons and via digital authentication of vouchers and coupons; bill payment services, check cheque verification, cheque encashment services; currency trading and stock trading; securities trading services and stock debenture brokerage; currency trading; financial services, namely, authentication, authorization, verification, and certification of customer and transactional data, for the purchase of real estate; financial analysis services for the support of retail services provided on-line, through networks and other electronic systems using electronically digitalized information; financial information and consultancy services and provision of financial data, in particular via a secure global computer network; financial appraisal services; financial rating and provision of credit reports as business credit reporting services; financial planning services; financial evaluation services and risk management services for others in the field of consumer credits