COMPUTER SOFTWARE FOR PROCESSING ELECTRONIC PAYMENTS AND TRANSFERRING FUNDS TO AND FROM OTHERS; AUTHENTICATION SOFTWARE FOR CONTROLLING ACCESS TO AND COMMUNICATIONS WITH COMPUTERS THAT MAY BE DOWNLOADED FROM A GLOBAL COMPUTER NETWORK AND/OR RECORDED ON COMPUTER MEDIA; MAGNETICALLY ENCODED CREDIT CARDS AND PAYMENT CARDS; COMPUTER HARDWARE SECURITY DEVICE, NAMELY, A NON-PREDICTABLE CODE CALCULATOR FOR ACCESSING A HOST DATABASE COMPUTER; COMPUTER SOFTWARE FOR USE IN DEVELOPING OTHER COMPUTER SOF...