Computer software including computer software for processing electronic payments and transferring funds to and from others; authentication software that may be downloaded from a global computer network and/or recorded on computer media; magnetically encoded credit cards and payment cards; wired and wireless computer peripherals; computer security devices, including a non-predictable code calculator for accessing a host data bank computer

Financial services; financial affairs and monetary affairs; electronic funds transfer; clearing and reconciling financial transactions; payment and financial services; brokerage of money market funds; credit card and debit card transaction processing services; electronic foreign exchange payment processing; all conducted via a global communications network