42 Data security consultancy services; data encryption services, namely, encryption, decryption and authentication of information, messages, data and digital information; electronic data storage, namely, storage and secure storage of electronic information, messages, data and digital information; software as a service (SAAS) services featuring software for transmitting, giving and processing payments, for giving tips and gratuities, for transmitting units and instruments of value, for providing financial intermediary services, for banking, for managing financial and monetary accounts, for paying staff, for paying employees, for paying contractors, for making financial donations, for making charitable donations, for leaving reviews and recommendations in the respect of products and services, for reserving and booking services, for calculating payment deductions and tax, for sharing payments amongst a number of users, for processing financial transactions, for administering and managing financial transactions, allowing users to perform electronic business transactions via a global computer network, for operating electronic payment processing terminals, for managing bank accounts, for transferring and exchanging assets and units of monetary value, for saving and earning interest on financial deposits, for receiving payments and making payments, for calculating deductions and tax from payments, for sharing payments between colleagues and users, for authenticating and verifying user information, for verifying source of payments and source of funds, for payee identification, for providing business intermediary services for introducing consumers to product and service providers and to products and services of third parties, for payment processing services, for money transfer, for funds transfer, for paying bills and invoices, for paying gratuities and tips, for paying tax, for tipping service providers, for undertaking secure commercial transactions, for providing a virtual currency, for providing a virtual monetary exchange and economy for use by members of an on-line community via a global computer network; platform as a service (PAAS) featuring computer software platforms for transmitting, giving and processing payments, for giving tips and gratuities, for transmitting units and instruments of value, for providing financial intermediary services, for banking, for managing financial and monetary accounts, for paying staff, for paying employees, for paying contractors, for making financial donations, for making charitable donations, for leaving reviews and recommendations in the respect of products and services, for reserving and booking services, for calculating payment deductions and tax, for sharing payments amongst a number of users, for processing financial transactions, for administering and managing financial transactions, allowing users to perform electronic business transactions via a global computer network, for operating electronic payment processing terminals, for managing bank accounts, for transferring and exchanging assets and units of monetary value, for saving and earning interest on financial deposits, for receiving payments and making payments, for calculating deductions and tax from payments, for sharing payments between colleagues and users, for authenticating and verifying user information, for verifying source of payments and source of funds, for payee identification, for providing business intermediary services for introducing consumers to product and service providers and to products and services of third parties, for payment processing services, for money transfer, for funds transfer, for paying bills and invoices, for paying gratuities and tips, for paying tax, for tipping service providers, for undertaking secure commercial transactions, for providing a virtual currency, for providing a virtual monetary exchange and economy for use by members of an on-line community via a global computer network; Providing web hosting platforms for transmitting, giving and processing payments, for giving tips and gratuities, for transmitting units and instruments of value, for providing financial intermediary services, for banking, for managing financial and monetary accounts, for paying staff, for paying employees, for paying contractors, for making financial donations, for making charitable donations, for leaving reviews and recommendations in the respect of products and services, for reserving and booking services, for calculating payment deductions and tax, for sharing payments amongst a number of users, for processing financial transactions, for administering and managing financial transactions, allowing users to perform electronic business transactions via a global computer network, for operating electronic payment processing terminals, for managing bank accounts, for transferring and exchanging assets and units of monetary value, for saving and earning interest on financial deposits, for receiving payments and making payments, for calculating deductions and tax from payments, for sharing payments between colleagues and users, for authenticating and verifying user information, for verifying source of payments and source of funds, for payee identification, for providing business intermediary services for introducing consumers to product and service providers and to products and services of third parties, for payment processing services, for money transfer, for funds transfer, for paying bills and invoices, for paying gratuities and tips, for paying tax, for tipping service providers, for undertaking secure commercial transactions, for providing a virtual currency, for providing a virtual monetary exchange and economy for use by members of an on-line community via a global computer network; providing web hosting platforms for electronic commerce and trade; programming of computer software for e-commerce platforms for others; product development services; Software-as-a-service (SAAS) services and platform-as-service services featuring software for processing payments, tips, gratuities, monetary transfers, transfers of instruments of value for the hospitality, restaurant, bar and food and drink provision industries; development and design of computer hardware, namely, interactive data transfer apparatus and encoded apparatus for use in relation to electronic transfer of data and information; development and design of computer hardware, namely, near-field, portable and electronic communication devices, equipment, controllers, instruments and apparatus; development and design of computer hardware, namely, handheld communication devices, wireless communication devices and apparatus; development and design of computer software and data communications software; development and design of computer hardware, namely, parts and fittings for communications apparatus, equipment and instruments; development and design of computer hardware, namely, encoded identification, bar code, adhesive labels; development and design of computer hardware, namely, RFID chips, labels, tags, receivers and readers; development and design of computer software and computer hardware, namely, microchips, electric and electronic products for storing, setting, communicating and loading personal configurations for electric and electronic equipment and apparatus; development and design of computer software for storing and transmitting data and electronic information; development and design of computer hardware, namely, storage devices and card readers for microchips, encoded and magnetic cards, credit cards, debit cards, smart cards, microchip cards, cash cards, SIM cards, circuit cards, flash cards, electronic key cards, encoded loyalty cards; development and design of computer software for e-commerce, software for the management and conduct of electronic commerce, and management software; development and design of computer software for product data processing, decision, monitoring and control and sales management, customer management and after-sale, auditing, management of financial flows; development and design of downloadable computer software for e-commerce; development and design of computer software for managing and administering loyalty programs; development and design of computer software for electronic and online-based loyalty programs; development and design of computer hardware and software for execution, processing and authentication of payments by credit card, debit card, gift card, prepaid card, and other forms of payment; development and design of computer hardware electronic devices, namely, card readers, computer chip readers, terminals, point of sale, and computer hardware and related software, all to accept, perform, enable, facilitate, process, use, authenticate and manage payments; providing online non-downloadable software for performing and managing commercial transactions; development and design of currency conversion computer software, software for trading and exchanging assets and loyalty scheme points and units of value; development and design of computer software for online and electronic currency; development and design of computer software for verifying and establishing personal identity, authentication software, encryption software, software for issuing payment receipts, accounting software, software to facilitate and manage communications between traders and customers, software for providing access to databases and platforms, software for the collection, analysis and reporting of business, consumer and transaction data and information, software to facilitate and carry out transfers of units of value, software for making payments, banking software, systems integration software; Custom design of computer machinery; custom design of software; provision of information, advisory and consultancy services in relation to computer software