Downloadable and recorded computer software for processing electronic payments and for transferring funds to and from others; downloadable and recorded authentication software for controlling access to and communications with computers and computer networks; magnetically encoded credit cards and payment cards being magnetically encoded debit and credit cards

DESIGN, DEVELOPMENT AND IMPLEMENTATION OF SOFTWARE AND ONLINE COMPUTER SOFTWARE SYSTEMS FOR OTHERS; CONSULTING SERVICES AND RESEARCH IN THE FIELDS OF DESIGN, SELECTION, IMPLEMENTATION AND USE OF COMPUTER SOFTWARE, ONLINE COMPUTER SOFTWARE SYSTEMS, AND ONLINE PAYMENT SYSTEMS