Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards , debit cards , prepaid card or direct payments for merchants; User authentication services using technology for e-commerce and money transfer transactions and marketing activity; Providing user authentication services using biometric hardware and software technology for e-commerce and money transfer transactions and marketing activity; Developing and hosting a server on a global computer network for the purpose of facilitating e-commerce via such a server; Electronic monitoring activities of transactions of credit card , debit cards , prepaid card and money transfer to detect fraud via the internet; Electronic signature verification services using technology to authenticate user identity; Electronic monitoring of personally identifying information to detect identity theft via the internet; Providing a secure electronic online system featuring technology of Payment Card Industry Data Security