RETAIL AND BUSINESS SERVICES VIA COMPUTER NETWORKS AND GLOBAL COMMUNICATION NETWORKS, NAMELY USER IDENTIFICATION, REGISTRATION AND AUTHORIZATION SERVICES, AND FACILITATING ELECTRONIC COMMERCE BY IDENTIFYING AND REGISTERING POTENTIAL CUSTOMERS, AUTHENICATING PERSONS SEEKING TO MAKE PURCHASES AND SECURELY PROVIDING CUSTOMER AND TRANSACTION INFORMATION TO BUSINESSES SELLING AND MERCHANDISING OVER GLOBAL COMMUNICATION NETWORKS