Computer software for electronic payment services, authentication, identification and transaction services for merchants by means of on-line databases; computer software for electronic processing and transmission of payments to merchants; computer software for electronic processing and transmission of payments by merchants; computer software for electronic processing and transmission of payment to merchants via on-line debit, checking, credit card, and loyalty/reward account payments; computer software for electronic processing and transmission of payments by merchants via on-line debit, checking, credit card, and loyalty/reward account payments; and computer software providing a biometric authentication and payment system; computer software for processing, at a client device, and financial transactions, namely, transferring funds and/or accessing currency/legal tender by presenting biometric recognition information

Electronic payment services, namely, electronic processing and transmission of bill payment data for merchants by means of on-line databases; electronic processing and transmission of payments to merchants; electronic processing and transmission of payment by merchants; electronic processing and transmission of payments to merchants via on-line debit, checking, credit card, and loyalty/reward account payments; electronic processing and transmission of payments by merchants via on-line debit, checking, credit card, and loyalty/reward account payments; and credit and debit card services; providing a biometric authentication and payment system, namely, providing electronic transmission and processing of financial transactions between consumers and merchants by means of biometric based identity verification and transaction authorization, where individual consumers are identified within databases that link an individual consumer's financial accounts with their biometric data; biometric security scanning and processing via a computer network and at the point of sale for the purpose of banking and credit issuance; providing databases that facilitate identification of individual consumers through use of the biometric data of such consumers for the purpose of banking and credit issuance; providing databases to merchants wherein the databases facilitate identification of individual customers by linking checking, credit, debit, or loyalty/reward accounts with biometric data.

Identification verification services, namely, providing authentication of personal identification information via secure storage and transmitting such information via the Internet; identification verification services, namely, providing authentication of personal identification information; providing user authentication services in e-commerce transactions.