Computer hardware, computer software for use in database management, word processing, creating spreadsheets, calculation of risks in risk management and in facilitating data entry in voice, text and pen; computer operating systems; computer utility programs; computer programs for use in network management, namely, computer programs for network security, communications programs for connecting computer network users and global computer networks, computer e-commerce software to allow users to perform electronic business transactions via a global computer network; computer peripherals; computer programs for use in viewing, organizing and editing documents, images, electronic mail messages and private network and global computer network communications; computer programs for use in creating graphical presentations, and user manuals sold in connection with all the foregoing, all of the foregoing in the fields of financial transaction processing and payment technologies services