Computer software; for 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 computer hardware security device, namely, a non-predictable code calculator for accessing a host database computer

Computer software for processing electronic payments, electronic payments by instalments 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