Providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; Providing user authentication services in e-commerce transactions

financial transaction services, namely, providing secure clearing commercial transactions via electronic communication networks; financial services, namely, enabling transfer of funds for others via electronic communications networks; providing bill payment services; financial services, namely, providing on-line stored value electronic accounts in an electronic environment; cash management services, namely, cash disbursement services and transaction authorization, authentication and debt sett...