Computer software that enables users to generate, manage and administrate online courses of instruction; computer software that enables users to generate electronic bulletin boards, chat rooms and searchable databases; computer software that enables users to search, browse, index, filter and retrieve data and content from computers, computer networks and the Internet; computer software for use by universities and corporations for management and administration of computer networks; computer application software for mobile phones allowing for off-line access to course software; downloadable open program software source code and application programming interfaces for use by software developers for building extensions, links, functionality and modifications to existing software applications, tools, services and content; downloadable software program patches; downloadable content software cartridges containing information related to educational activities gathered from third party accessory software; computer, access control, and stored value system transaction hardware; computer software for the enabling of electronic access to facilities and access to products and services of others; computer software for use in processing electronic transactions, namely, debit card authorization and transaction settlement