Computer programs and downloadable software for facilitating electronic fund transfers between parties, namely, transaction reconciliation, transaction management, fraud control assessment, regulatory compliance assessment, and transactional risk management; computers and computer hardware used for transacting payments of the Internet

providing an on-line question and answer computer game for multiple players that ranks the individual players and the universities and colleges from which the players graduated or still attend

Providing debit and credit card services though telecommunications and computer networks

providing an on-line question and answer game for multiple players that ranks the individual players and the universities and colleges from which the players graduated or still attend

on-line ordering services featuring gift certificates and on-line retail store services that allow users to make purchases using gift certificates featuring a wide variety of merchandise most specifically of interest to college students