Downloadable software for managing and processing financial and payment transactions; downloadable software for processing electronic payments and transferring funds to and from others; downloadable software for remittance, transfer of funds, stored value accounts, debit card transactions, credit card transactions, and financial transaction notifications; magnetically encoded credit cards and payment cards, namely, debit cards and stored value cards

ELECTRONIC PAYMENT SYSTEMS, NAMELY, THE ELECTRONIC TRANSFER OF FUNDS AMONG INDIVIDUALS, BUSINESSES, PURCHASERS, VENDORS, GOVERNMENT AND FINANCIAL INSTITUTIONS IN RESPECT OF TRANSACTIONS CONDUCTED OVER A GLOBAL COMPUTER NETWORK