9 Electric, electronic and optical devices and instruments, and parts therefore, for the recording, processing, receiving, transmission, sending, storage, exchange and output of messages, images, speech and data; magnetic, electronic, and optical data carriers containing computer software, namely, software for user applications in the field of card payment services; active and passive electronic components, namely, integrated and non-integrated semiconductor components; printed circuit boards with and without electronic components; providing online, downloadable electronic publications in the nature of ebooks, best practice guides, data sheets, reports, articles, and white papers in the field of payment systems