Computer software and computer programs, computer hardware and software for use in facilitating payment transactions by electronic means and via a global computer network; computer hardware and encryption software; computer hardware and encryption software for maintaining encryption keys, managing digital certificates, and digital signatures; software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; computer software for transmitting, displaying and storing transaction, identification and financial information; electronic verification apparatus, namely, computer hardware and software for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; computer software for encrypting and protecting the integrity of data and electronic communications over a computer network; computer software for implementing encryption, authentication, access control and other security features within computer networks and through external connections; computer software for implementing security methodology involving encryption of payment cards numbers and related data and transmission over computer networks

Insurance services, namely, underwriting in the field of financial services, namely, credit and debit transaction processing services; remote payment services, namely, providing electronic funds; electronic payment services, namely, processing on-line payment transactions; and credit card transaction authorization and settlement services; electronic processing and transmission of bill payment data; provision of financial services, namely, e-payment in the nature of electronic processing and transmission of bill payment data for the support of retail services provided through mobile telecommunications means; provision of financial services, namely, payment in the nature of electronic processing and transmission of bill payment data for the support of retail services provided on-line, through networks using electronically digitized information; bill payment services provided through a website; online banking services; financial services, namely, bill payment collection to establish funded accounts used to purchase goods and services on the internet; financial services, namely, bill payment collection provided over the telephone and by means of a global computer network or the internet; electronic funds transfer services; providing electronic processing of credit card transactions and electronic payments via a global computer network; financial consulting services