A retail payment accelerator that ties a customer's single financial implement (such as a credit card, debit card, or electronic check-ACH), with a short cut (such as a key press or other event) on an EFT terminal and whose invocation supplies the necessary financial information for that implement without its physical presence to a point-if-sale device as the customer's selected payment choice

Terminals for debit and credit card transactions

Financial transaction services, namely, providing secure commercial transactions and payment options

Administration of business payroll for others via the Internet; payroll tax preparation services for others; payroll tax filing services for others