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 information processing, namely, clearing and reconciling financial transactions via electronic communications networks and mobile telecommunications devices; financial services, namely, electronic funds transfer; bill payment services; issuing stored value cards; currency transfer services; remote payment services, namely, electronic funds and currency transfer services; bill payment services provided through electronic communications networks and mobile communications devices; elec...

Computer software for processing electronic payments to and from others; authentication software that may be downloaded from a global computer network or recorded on computer media