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 stored value debit cards and payment cards

Financial services, namely, electronic funds transfer; clearing and reconciling financial transactions; providing payment and financial services, namely, stored value card services in the nature of processing electronic payments made through prepaid cards, issuing stored value debit cards, merchant services namely payment electronic processing, payment services namely check and money order payment guarantee services, all conducted via a global communications network; electronic debit card transaction processing services; reimbursement payment processing for disputed items in the field of electronic payment purchases; providing purchase protection services namely fraud reimbursement services in the field of credit card purchases for goods and services purchased by others via a global computer network and wireless networks; stored value card transaction processing services; providing secure electronic payment processing services by mobile phone for others; debit card payment processing services; electronic foreign exchange payment processing; payment processing services, namely, providing electronic virtual currency transaction processing services for others in International Class 36