Financial services, namely, electronic processing and transmission of online bill payments and bill payment data; credit card, debit card, smart credit and debit card, stored-value card, and payment card processing, verification, authorization and debt settlement services and electronic payment in the nature of electronic transmission of bills payment data thereof; enabling transfer of funds for others, namely, electronic transfer of funds; currency conversion services, namely, currency exchange services; remote payment services, namely, online bill payment processing and bill payment services provided through a website; electronic payment, namely, electronic processing and transmission of bill payment data; financial affairs, namely, financial information and financial management services; and information services, namely, financial information provided by electronic means; online service for facilitating the merchandising of goods and services of others online, namely, electronic bill payment processing services by broadband cable, satellite, wireless access point (WAP) devices and wireless networks

Providing user authentication of credit, debit, stored-value and payment card transactions via a global computer network