Computer software for use by vendors to access customer bank information; computer software for accessing and managing customer identification information; computer software for transmitting customer identification information between vendors and between customers and vendors; computer software for recording customers' identification information with vendors; computer software for recording financial transactions between vendors; computer software for recording financial transactions between customers and vendors

Providing and managing financial identification information for vendors, namely, payment and funds verification services; recording financial transactions between vendors and between customers and vendors, namely, payment ID transaction processing services