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 debit cards, stored value and payment cards; computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment

Financial services, namely, financial information processing related to the fulfillment of financial obligations; payment processing services, namely, transaction processing services between purchasers and sellers of goods and services, between billers and payors and between donors and charities via electronic communications networks, or electronic funds transfer services, or in person or in kind payments; payment transaction processing services and financial information by electronic means via computer networks and global information networks; 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, or electronic funds transfer services, or in person or in kind payments; processing electronic payments through prepaid cards; electronic payment services involving electronic processing and subsequent transmission of bill payment data

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, financial transactions 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