Computer programs and manuals therefor, furnished as a unit to third parties, for the purpose of collecting information for and handling on-line commerce transactions; computer programs and manuals therefor, furnished as a unit to third parties, for the purpose of processing electronic payments, electronic billing and invoicing, check conversion and imaging; computer programs and manuals therefor, furnished as a unit to third parties, for the purpose of preventing the accidental, unintended, or unauthorized dissemination, discovery, capture, or use of personally identifying, financial and health information or data; computer programs and manuals therefor, furnished as a unit to third parties, for the purpose of providing information, data, and privacy security, namely, encryption and data segregation; computer programs and manuals therefor, furnished as a unit to third parties, for the purpose of furnishing identity theft protection, data storage and archiving, and sensitive information identification and isolation; and computer programs and manuals therefor, furnished as a unit to third parties, for the purpose of providing data security intrusion alerts