Downloadable software for processing electronic payments to and from others; downloadable authentication software; downloadable authentication software for controlling access to and communications with computers and computer networks

Processing of electronic payments, namely, credit card and debit card payment processing and electronic foreign exchange payment processing; electronic processing of payments via a global computer network, namely, providing electronic processing of credit card and debit card transactions and electronic payments via a global computer network and providing electronic processing of ACH and credit card and debit card transactions and electronic payments via a global computer network; electronic transfer of funds; peer to peer and merchant transaction payment processing services; electronic peer to peer and merchant transaction payment processing services; remote peer to peer and merchant transaction payment processing services; collection agencies for the collection of payments for goods and services; clearing services for payment transactions, namely, clearing and reconciling financial transactions via a global computer network; deposit-holding, namely, maintaining escrow accounts for investments, real estate transactions, and the exchange of goods and/or services; providing electronic mobile payment services for others, namely, electronic processing of monetary payments for investments, real estate transactions, and the exchange of goods and/or services provided via a global computer network; payment and receipt of money as agents, namely, maintaining escrow accounts for investments, real estate transactions, and the exchange of goods and/or services; bill payment services provided through a website; financial administration of the reimbursement of funds for disputed items in the field of electronic payment purchases; providing purchase protection services for goods and services purchased by others, namely, fraud reimbursement services in the field of credit card and debit card purchases via a global computer network and wireless networks