Computer hardware and software for facilitating on-line commercial transactions; billing application software specifically designed to facilitate automated payment of multiple bills; on-line and off-line electronic payment apparatus; authentication and authorization software; bank credit, debit, cash, cheque and identification cards, all being encoded or magnetic; electronic cards and stored value cards; encoded cards used in relation to the electronic transfer of funds and other financial transactions; cash payment service computer terminals; books in electronic form; computer programs

Electronic payment transactions merchant services, namely, providing secure electronic payment transaction processing services; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; electronic transfer of funds; processing of credit and debit card payments to and from others conducted via a global communications network; providing secure financial transaction in the nature of electronic cash transactions, electronic credit card transactions, electronic debit transactions, electronic check processing transaction and electronic transmission of bill payment data via a global computer network; Internet-secure electronic transaction solutions for e-commerce, namely, secure processing of electronic financial transactions in the nature of custody, banking, cash management, and trade finance transactions and bill payments; automated payment of accounts provided on-line from the Internet, namely, automated bill payment services and automated credit card payment processing services; electronic payment card services, namely, electronic credit and debit card payment processing services; financial trust administration services; financial services accessible on-line via digital computer networks, namely, online financial investment advisory services

On-line electronic transmission services for use in handling of secure payment transactions; pay-mobile telephone communication services; providing computer links to third party web sites to facilitate e-commerce and real world business transactions; transmission (including on-line transmission) of financial transactions; providing multiple-user access to a global computer network; electronic mail; Internet protocol transmission services; providing access to computer bulletin boards and real-time chat forums; instant messaging services; providing access to computer information through a global network