Computer software for processing electronic payments and transferring funds to and from others; authentication software for controlling access to and communications with computers that may access electronic data to be downloaded from a global computer network and/or recorded on computer media; magnetically encoded credit cards and payment cards; computer hardware security device, namely, a non-predictable code calculator for accessing a host database computer. Financial services, namely, electronic funds transfer via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; providing a wide variety of payment and financial services, namely, credit card services, and processing and transmission of bills and payments thereof, bill payment services with guaranteed payment delivery, and brokerage of money transfers; Dispute resolution services; providing financial fraud protection and prevention; credential verification using risk management modules namely bank databases, namely, providing authentication of personal identification information via secure storage and transmitting such information via the Internet. Computer software which stores, tracks, and analyzes a wide variety of information, from one or more sources computer database sources real time, pertaining to individuals, entities or events, and users guides for use therewith sold together as a unit; computer software that authenticates using techniques that authenticate the users credentials in order to gain access to higher security levels to remove restrictions from purchasing more valuable merchandize or electronic data. Computer services via API, namely, providing computer software application services through a global computer network for storing, tracking and analyzing a wide variety of information, from one or more sources, pertaining to individuals, entities or events with ability to authenticate users for online transactions. Computer services via API for use on an international global computer network, namely, web pages having security handshake verification and certification features for users of the network accessing a centralized database; real time authentication and restrictions according to credentials provided