Computer hardware and downloadable software for processing on-line commercial and financial transactions; downloadable billing application software for use in making automated online payments of multiple bills; on-line and off-line electronic payment apparatus, namely, point of sale terminals; downloadable software for identifying and authenticating authorized users of a computer system; magnetically encoded cards used to make electronic transfers of funds and other online financial transactions; electronic terminals for making cash payments for services

Electronic payment processing services; electronic billing and payment processing services; electronic transfer of funds; processing of electronic payments to and from others conducted via a global communications network; financial transaction services, namely, providing secure commercial transaction and payment options, electronic credit card transaction processing, electronic debit card transaction processing, electronic check processing transaction, and electronic payment series involving electronic processing and subsequent transmission of bill payment data via a global computer network; financial services, namely, providing secure online payment processing for online purchases, management of electronic custody of financial assets, online banking, cash account management, and processing trade finance transactions and payments; processing automated online payment transactions of accounts via the Internet; electronic payment processing for credit cards; financial administration of online payment accounts; financial services in the nature of online banking accessible via digital computer networks; financial advisory services

Designing, creation and hosting of bill payment websites for others; design and development of computer hardware and software for authentication of identity; computer technology consultancy services relating to electronic business transactions; maintenance and updating of computer software used in computer networks; hosting computer web sites for others; design and development of web pages on the internet; computer programming; installation, maintenance, and repair of software for computer systems; conversion of data or documents from physical to electronic media; computer software development for Intranet and web-based portals; providing a secured-access website featuring technology that allows users to manage electronic custody of financial assets, conduct online banking, manage cash accounts, and monitor, trade finance transactions and payments