Application service provider (ASP) services featuring computer software for use in the field of mortgages throughout multiple stages of the housing financing process, namely, for use in the underwriting of mortgage loans and the disposition of such loans in the secondary market

Electronic payment services, namely, providing electronic transmission and processing of financial transactions between consumers and merchants by means of biometric-based identity verification and transaction authorization, wherein individuals are identified within on-line databases that link their financial or loyalty/reward accounts with their biometric data