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COMPUTER SOFTWARE for use as LEARNING MANAGEMENT SYSTEMS, COURSE MANAGEMENT SYSTEMS, LEARNING NETWORKS, VIRTUAL LEARNING ENVIRONMENTS, PERSONAL LEARNING ENVIRONMENTS, and LEARNING CONTENT MANAGEMENT SYSTEMS all for use in the field of K-12 education, higher education, business education, non-profit education, test preparation education, homeschool education; E-PORTFOLIOS in the nature of software consisting of an online resume, or curriculum vitae, work display, and online file repository; FOR GENERATING ONLINE COURSES OF INSTRUCTION, and for the MANAGEMENT AND ADMINISTRATION OF ONLINE COURSES OF INSTRUCTION, BULLETIN BOARDS, CHAT ROOMS AND DATABASE RESOURCES AND SEARCHING, BROWSING, INDEXING, FILTERING AND RETRIEVAL OF DATA AND CONTENT OF COMPUTERS, COMPUTER NETWORKS AND THE INTERNET, MANAGEMENT OF ADMINISTRATIVE AND COMMUNITY FUNCTIONS FOR UNIVERSITY AND CORPORATE ENVIRONMENTS; MOBILE SOFTWARE APPLICATION ALLOWING FOR OFF-LINE ACCESS TO COURSE SOFTWARE; DOWNLOADABLE OPEN PROGRAM SOFTWARE SOURCE CODE AND APPLICATION PROGRAMMING INTERFACES, LICENSED FOR USE TO SOFTWARE DEVELOPERS FOR BUILDING EXTENSIONS, LINKS, FUNCTIONALITY AND MODIFICATIONS TO EXISTING SOFTWARE APPLICATIONS, TOOLS, AND CONTENT; DOWNLOADABLE CONTENT SOFTWARE CARTRIDGES CONTAINING INFORMATION RELATED TO EDUCATIONAL ACTIVITIES GATHERED FROM THIRD PARTY ACCESSORY SOFTWARE; COMPUTER, ACCESS CONTROL, AND STORED VALUE SYSTEM TRANSACTION HARDWARE AND COMPUTER SOFTWARE USED FOR ELECTRONIC ACCESS TO FACILITIES AND ACCESS TO PRODUCTS AND SERVICES, AND for PROCESSING ELECTRONIC TRANSACTIONS, namely, DEBIT CARD AUTHORIZATION AND TRANSACTION SETTLEMENT