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 be downloaded from a global computer network and/or recorded on computer media; magnetically encoded credit cards and payment cards

Financial services, namely, collection facilitation and information processing related to the fulfillment of financial obligations; providing payment services between purchasers and sellers of goods and services, between billers and payors and between donors and charities, via electronic communication networks, electronic funds transfer services, or in person or in kind payments; providing financial transaction processing services and financial information by electronic means via computer networks and global information networks, and monitoring financial transactions and evaluating the likelihood of fraud or illegality in the field of electronic fund transfer, in person or in kind payments and payment processing services; establishing funded accounts and enabling the transfer of funds to purchase products and services offered by others, pay other sums due or remit funds and donations to charities; electronic funds transfer via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks, electronic funds transfer services, or in person or in kind payments; providing a wide variety of payment and financial services, namely, pre paid card services, and in person and in kind payment services; processing and transmission of bills and payments thereof, bill payment services with guaranteed payment delivery

Providing a website featuring non-downloadable software for processing electronic payments and transferring funds to and from others; providing a website featuring non-downloadable authentication software for controlling access to and communications with computers; application service provider featuring application programming interface (API) software for creating orders, processing electronic payments and transferring funds to and from others; software as a service (SAAS) services featuring software for processing electronic payments and transferring funds to and from others; software as a service (SAAS) services featuring non-downloadable authentication software for controlling access to and communications with computers