Financial services, namely, electronic funds transfer; clearing and reconciling financial transactions; providing a wide variety of payment services, namely, micropayment processing, electronic payment services involving electronic processing and subsequent transmission of bill payment data in the field of credit card payments; providing electronic mobile bill payment services for others; payment processing services, namely, providing virtual currency transaction processing services for others

Downloadable Computer software for processing electronic payments and for transferring funds to and from others; Downloadable authentication software for controlling access to and communications with computers and computer networks