Clearing and reconciling financial transactions via electronic communications networks and mobile telecommunications devices; financial services, including, enabling transfer of funds for others via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; providing payment services; stored value electronic purse services, providing electronic funds and currency transfer services, financial transaction authorization, authentication and settlement services, cash management services, including, cash disbursement services and transaction authorization, authentication and settlement services; remote payment services; providing electronic funds and currency transfer services; bill payment services provided through electronic communications networks and mobile communications devices; electronic payment and information management services

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