Communications software for providing real-time transaction authorization or access to physical premises using out-of-band security as a service (SECaaS) over an intranet, internet, or communication channel by using contextual information to verify the authority of the initiator of the transaction or access through any electronic device including electronic smart tattoos, implanted electronics in the nature of biometric identification apparatus, and handheld devices in the nature of mobile phones, smart connected devices and traditional computing devices, namely, personal computers, notebooks, tablet computers, phones and netbooks; other portable computers, computer peripherals; personal digital assistants; or any embedded computing and communication devices, namely, electronics devices comprised primarily of software and display screens for viewing, sending and receiving texts, emails, data, and information from smart phones, tablet computers and portable computers

Electronic signature real-time verification services provided in connection with banking and financial services

Credit and cash card services; Electronic banking via a global computer network; On-line banking services; On-line banking services featuring electronic alerts that alert credit and debit card users when a single transaction exceeds a certain amount; On-line financial planning services; On-line prepaid card services; On- line real-time currency trading; On-line trading of financial instruments, shares, options and other derivative products; On-line trading of options on the options exchange market; Online, real-time tax payment processing, tax payment management, and tax payment analysis services

Communication services for providing real-time transaction authorization and/or access to an electronic account or physical premises using an out-of-band security as a service (SECaaS) over an internet or communication channel through transmission of voice, audio, visual images and data by telecommunications networks, wireless communication networks, the Internet, information services networks and data networks; Wireless digital messaging services; Wireless electronic transmission of data, telecommunication services, namely, transmission of voice, data, graphics and video by means of wireless communication networks, the Internet, information services networks and data networks; electronic transmission for others of securities and financial information via computer linking services, namely, communicating and routing trade information involving orders, entry and execution services, to others via a global computer network

Scientific and technological services, namely, research and design in the field of secure and private transaction using multifactor authentication techniques including contextual and biometrics as part of policy orchestration for secure transaction authorization by authorized users and machines; Software as a service (SAAS) services featuring software for trust elevation and security of online transactions; Software application development services; Security as a Service (SECaaS) featuring communication software use in providing real- time transaction authorization for intranet and Internet transactions; cloud computing featuring communication software for use in providing real-time transaction authorization or access to physical premises using an out-of- band security as a service; online content management services via the Internet, namely, providing a website that gives computer users real-time transaction authorization; providing a web hosting platform for use of software for enabling, facilitating or enhancing interactive transaction history and data for business and consumers