Computer programs for use in on-line commerce, namely, computer programs (both for client terminals and servers) for authentication of parties, participating in financial and/or commercial transactions over digital communication lines, computer programs for processing of financial and/or commercial transactions performed over digital communication lines; programs for other digital electronic and wireless communication and messaging; server-based programs, utilities and web-services for financial and/or commercial transactions; computer programs for use in the development of other programs for use in financial and/or commercial transactions performed over digital conmunication lines; computer programs for providing news and other information; computer programs for computers, used in devices, communicating over digital communication lines both wired or wireless, namely, programs for personal computers, handheld devices, mobile phones, electronic pagers, electronic pager modules, smart-cards, contactless smart-cards and other digital devices having a digital processor and memory; programs for facilitating financial and/or commerce transactions; access programs for digital communication networks; computer programs for accessing digital communication networks and displaying content therefrom; programs for wireless communications; computer programs for providing paging and wireless communication functions