Financial information processing, namely, clearing and reconciling financial transactions via electronic communications networks and mobile telecommunications devices; financial services, namely, electronic funds transfer; currency transfer services, remote payment services, namely, electronic funds and currency transfer services

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

bill payment services provided through electronic communications networks and mobile communications devices; electronic payment and information management services, namely, electronic processing and transmission of bill payment data

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