Downloadable computer software for processing electronic payments, electronic payments by instalments and transferring funds to and from others; authentication software for controlling access to and communications with computers that may be downloaded from a global computer network and/or recorded on computer media; magnetically encoded credit cards and payment cards; computer hardware security device, namely, a non-predictable code calculator for accessing a host database computer; downloadable computer software for transaction authorization and credit authorization; downloadable computer software for mobile computers and smart phones, namely, financial services software used to process mobile payments; downloadable computer software for facilitating payment transactions by electronic means; downloadable computer software for use as an electronic wallet; downloadable computer application software, namely, point-of-sale software, customer management software, financial transactions software, electronic funds transfer and payment software

Financial services, namely, electronic funds transfer via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; providing a wide variety of payment and financial services, namely, credit card services, credit card payment processing, issuing credit cards and lines of credit, credit by instalments, instalment loan payment services featuring payments by instalments, electronic payment services involving processing and subsequent transmission of instalment loan payment data, instalment loan payment services with guaranteed payment delivery financing and, loan guaranteeing services; financing, loan payment and loan securitization and re-securitization services; and brokerage of money market funds, all conducted via a global communications network; Credit and loan services featuring credit facilitation services, transaction processing and transaction payment services; Arranging financial transactions; Automated funds transfer services; Automated payment services; Bill payment services; Bill payment services provided via an electronic wallet; Collection of payments for goods and services; Conducting cashless payment transactions; Contactless payment services; Computerized financial transaction authorization, namely, providing secure commercial transactions and payment options; Computerized financial transaction authorization, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Providing an internet website portal in the field of financial transaction and payment processing services; Merchant services, namely, payment transaction processing services for retail installment payment plans; Electronic commerce payment services; Electronic funds transfer; Electronic payment services; Financial analysis; Financial assistance; Financial information; Financial intermediary services; Financial payment services; Financial transaction services; Financial transactions; Financing of consumer purchases; Financing of purchases; Installment loans; On-line bill payment services; Online financial transactions; Payment processing; Payment processing services; Processing of credit card payments; Processing of debit card payments; Processing of electronic wallet payments; Providing financial information via a website

Software as a service (SaaS) featuring software for scheduling payments and financial transactions, and making and receiving partial and installment payments; Software as a service (SaaS) featuring software for processing and selling installment payment plans; providing temporary use of online non-downloadable computer software for processing electronic payments, electronic payments by instalments and transferring funds to and from others; providing temporary use of online non-downloadable authentication software; providing temporary use of online non-downloadable computer software for transaction authorization and credit authorization; downloadable computer software for mobile computers and smart phones, namely, financial providing temporary use of online non-downloadable software used to process mobile payments; providing temporary use of online non-downloadable computer software for facilitating payment transactions by electronic means; providing temporary use of online non-downloadable computer software for use as an electronic wallet; providing temporary use of online non-downloadable computer application software, namely, point-of-sale software, customer management software, financial transactions software, electronic funds transfer and payment software