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. 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, funds transfer services, processing and transmission of bills and payments thereof, bill payment services with payment delivery, and brokerage of money market funds, all conducted via a global communications network. Providing computer, electronic and online databases in the field of cultural commentary, social entertainment events, art, performing arts, music, dance, and education; on-line journals, namely, blogs in the fields of cultural commentary, social entertainment events, art, performing arts, music, dance, education, politics, culture, economics, and science; electronic publishing services, namely, publication of text and graphic works of others via computer and communications networks in the fields of cultural commentary, social entertainment events, art, performing arts, music, dance, education, politics, culture, economics, and science; publishing of electronic publications; contest and incentive award programs designed to recognize, reward and encourage individuals and groups which engage in self-improvement, self-fulfillment, charitable, philanthropic, volunteer, public and community service and humanitarian activities and sharing of creative work product. Computer services, namely, providing tracking services to visitors regarding the rating of a member's reputation based on information provided by the member's peers; tracking of social networking web site activity of members to provide a rating that measures online social influence, namely, computing a rating by using a formula that involves numerical variables related to transactions and other networking web site activity. Computer services, namely, creating an on-line community for registered users to participate in discussions, get feedback from their peers, form virtual communities, engage in social networking, find business leads, fundraising, share knowledge, promote goods, send messages. Social introduction, networking and dating services; providing social services and information in the field of personal development, namely, self-improvement, self-fulfillment, charitable, philanthropic, volunteer, public and community services, and humanitarian activities; Identification verification services, namely, providing authentication of personal identification information; Software feature of web based and downloadable software which allows users to rank other users for certain deeds and build reputation and influence in the community. On-line social networking services. Business services, namely, providing computer databases regarding the purchase and sale of a wide variety of products and services of others

Providing online electronic computer databases in the field of cultural commentary, social entertainment events, art, performing arts, music, dance, and education; On-line journals, namely, blogs in the fields of cultural commentary, social entertainment events, art, performing arts, music, dance, education, politics, culture, economics, and science; electronic publishing services, namely, online publication of text and graphic works of others via computer and communications networks in the fields of cultural commentary, social entertainment events, art, performing arts, music, dance, education, politics, culture, economics, and science; Online publishing of electronic publications; Contest and incentive award programs designed to recognize, reward and encourage individuals and groups which engage in self-improvement, self-fulfillment, charitable, philanthropic, volunteer, public and community service and humanitarian activities and sharing of creative work product, not for commercial or business purposes; Computer services, namely, creating an on-line community in the fields of music, art, technology, politics, literature, culture, fashion, business and entertainment, for registered users to participate in discussions, get feedback from their peers, form virtual communities, engage in social networking, find business leads, participate in fundraising, share knowledge, promote goods; Computer services, namely, tracking of online social networking web site activity of members to provide a rating that measures online social influence, namely, computing a rating by using a formula that involves numerical variables related to transactions