Providing multi-user access to global computer networks; providing access to computer databases; providing user access to data and information in the form of electronic files and computer software that is stored electronically in computer networks for remote consultation; transmission of data, information and computer software via computer networks; transmission of electronic data to others via global computer networks for the checking of bank accounts, electronic payment accounts, telephone subscription accounts, credit cards, debit cards, prepaid credit cards and gift cards; transmission of electronic payment data, payment-on-delivery data and data on credit worthiness, financial solvency and credit risk to others via global computer networks; consulting services with regard all the aforesaid services