Computer software for processing electronic payments to and from others that may be downloaded from a global computer network and/or recorded on computer media; authentication software that may be downloaded from a global computer network and/or recorded on computer media; Clearing and reconciling financial transactions via a global computer network; Providing a wide variety of payment services and providing financial services, namely, credit card processing and transmission of bills and payments thereof, conducted via a global computer network; Magnetically encoded credit cards; On-line system for lunch ordering and payment; on-line system for event calendaring and payment; on-line class registration; on-line field trip registration and permission slip acceptance; a text messaging service; on-line ability to take tuitions or school dues; ability to generate on-line reports for organizing ordering and events; ability to integrate with QuickBooks on-line; an on-line program for educational activities and training purposes; on-line payments for fundraisers; on-line school store/ shopping cart (including but not limited to the following items for sale: clothing; promotional items; school spirit items; writing utensils; notepads; notebooks; backpacks; accessories; lunch boxes; coffee mugs; bumper stickers; magnets