Computer software for clearing and reconciling financial transactions, electronic funds transfers and payments via electronic and optical communications networks; computer software for processing payments to and from users of telephones, computers and mobile and electronic communication devices; computer e-commerce software for enabling the purchase of goods and services of others via electronic or optical communications networks by allowing users to perform electronic transactions from their banking accounts, all not relating to physical credit, debit or prepaid payment card services and not using radio frequency technology in connection with physical credit, debit or prepaid payment card services

Clearing and reconciling financial transactions via electronic and optical communications networks; electronic payment services, namely, enabling the purchase of goods and services of others via electronic or optical communications networks by establishing accounts to be used to purchase goods and services by transferring funds from their banking accounts; transfer of funds via electronic and optical communications networks and telephones, computers and mobile and electronic communication devices, all not relating to physical credit, debit or prepaid payment card services and not using radio frequency technology in connection with physical credit, debit or prepaid payment card services

Providing temporary use of non-downloadable software for clearing and reconciling financial transactions in the field of electronic funds transfer and payment services and electronic payment services; providing temporary use of non-downloadable software for processing payments to and from users of telephones, computers and mobile and electronic communication devices; providing temporary use of non-downloadable e-commerce software for enabling the purchase of goods and services of others via electronic or optical communications networks by allowing users to perform electronic transactions from their banking accounts; providing temporary use of online non-downloadable software for transferring funds via electronic and optical communications networks and telephones, all not relating to physical credit, debit or prepaid payment card services and not using radio frequency technology in connection with physical credit, debit or prepaid payment card services