Financial services, namely, electronic funds transfer; clearing and reconciling of financial transactions; bill payment services; bill payment with guaranteed payment delivery; processing and transmission of bill and payment data; online hosted payment services; prepaid, credit and debit card services; issuing prepaid, credit and debit cards and lines of credit; and brokerage of financial accounts, all conducted via an electronic communications network

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 computer network, a telecommunications network and/or recorded on computer media; magnetically encoded account cards and payment cards; wired and wireless computer peripherals