Computer e-commerce software in the nature of a transaction engine to allow users to perform electronic business transactions for the electronic transfer and delivery of financial instruments via global computer network and/or telecommunications network and for the delivery of financial services via a global computer network and/or telecommunications network and to allow managing the aforesaid electronic business transactions; network-connected apparatus featuring display, input and output devices, namely, secure terminals, tablet computers, personal computers, notebook computers, netbook computers and handheld wireless communication devices for electronic transactions, namely, the electronic transfer and delivery of financial instruments over a computer network and/or telecommunications network and for the delivery of financial services via a computer network and/or telecommunications network and to allow managing the aforesaid electronic business transactions; downloadable computer software platform, namely, a software platform for value exchange which allows users to access the services of third parties over a computer network and/or telecommunication network

Business services, namely, electronic transfer of financial instruments, namely, money orders and wire transfers of funds; electronic funds transfer, namely, electronic processing and payment of bills and invoices and electronic transfer of money, consultation services for all of the foregoing provided via a global computer network, electronic funds transfer