Providing multi-functional secure payment services for open and closed electronic payment transaction networks, namely, bill payment services, money transfer, payment gateway services being processing credit card and debit card payments, electronic processing of mobile wallet payments, providing secure payment options using a mobile device at merchant points of sale, and issuing closed loop payment cards being debit cards, credit cards and store value cards

Providing user authentication services using single sign-on technology, and biometric hardware and software technology for electronic transactions, namely, providing user identity management, authentication, de-duplication and verification of personal identification information; Providing electronic verification services using technology for the purposes of authenticating user identity during account changes, activity and transactions, for tracking employee attendance, and for secure entry and exit door access; Providing document and identity verification services, namely, providing remote identity document scanning being electronic scanning of personally identifying photographic images, photo scanning, digitization of documents, data extraction being data encryption, data decryption, authentication and verification services for customer and employee on-boarding being electronic document and e-mail authentication, know your customer information collection being providing a website featuring technology that enables users to collect information resources in electronic form, account takeover protection being data security consultancy related to financial accounts, and for binding verified identities to accounts and devices being electronic signature verification services using technology to authenticate user identity; Software as a service (SAAS) services and identity as a service, namely, hosting software for use by others for performing secure biometric and electronic transactions, namely, software for providing identity management, authentication, de-duplication and verification services; Providing a web hosting platform for use by others for performing secure biometric and electronic transactions, namely, for providing identity management, authentication, de-duplication and verification of personal identification information; Platform as a service (PAAS) featuring computer software platforms for use by others for performing secure biometric and electronic transactions, namely, for providing identity management, authentication, de-duplication and verification of personal identification information; Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants