Computer software for processing electronic payments and for transferring funds to and from others; authentication software for controlling access to and communications with computers and computer networks; magnetically encoded credit cards and payment cards

Financial services, namely, electronic funds transfer; clearing and reconciling financial transactions via a global computer network; providing a wide variety of payment and financial services, namely, credit card services and issuing credit cards and lines of credit; processing and transmission of bills and payments thereof, namely, electronic payment services involving electronic processing and subsequent transmission of bill payment data; bill payment services with guaranteed payment delivery; brokerage of money market funds conducted via a global communications network; payment processing services, namely, credit card and debit card transaction processing services; reimbursement payment processing in the field of electronic payment purchase claims, namely, providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks; credit card transaction processing services; credit card services, namely, providing revolving credit account services; bill payment services; providing electronic mobile bill payment services for others; credit card payment processing services; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency payment transaction processing services for others