Downloadable computer software for processing electronic payments and transferring funds to and from others; authentication software downloadable from a global computer network or recorded on computer media, the aforementioned for controlling access to and communications with computers; magnetically encoded credit cards and payment cards being charge cards

Financial services, namely, payment collection facilitation and information processing related to the fulfillment of financial obligations; providing payment transaction processing services between purchasers and sellers of goods and services, between billers and payors, and between donors and charities, the aforementioned provided 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; electronic commerce payment services, namely, 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, namely, payments made through electronic funds transfer services, or in-person or in-kind payments; providing a wide variety of payment and financial services, namely, pre-paid purchase card services in the nature of processing electronic payments through pre-paid cards, and in-person and in-kind payment processing 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; providing temporary use on on-line non-downloadable computer software for processing electronic payments and transferring funds to and from others; electronic monitoring of financial transactions to detect and evaluate the likelihood of fraud or illegality via the internet in the field of electronic funds transfer, in-person or in-kind payments and payment processing services