GOPIN

COMPUTER HARDWARE; COMPUTER SOFTWARE IN THE FIELD OF FINANCIAL TRANSACTIONS, MARKET RESEARCH, AND USER AUTHENTICATION FOR ELECTRONICALLY-ENABLED MERCHANTS AND INFORMATION PROVIDERS; AND PRE-PAID TELEPHONE CALLING CARDS

TRANSACTION BROKER SERVICES, NAMELY THE COORDINATION AND MANAGEMENT OF COMMERCIAL TRANSACTIONS AND BILLINGS BETWEEN ON-LINE MERCHANTS AND CONSUMERS, AND THE PROVISION OF REVOLVING CREDIT ACCOUNT SERVICES AND BILL PAYMENT SERVICES TO OTHERS VIA THE WORLD WIDE WEB