PAYCODE

computer software for processing electronic payments and transferring funds to and from others; computer software for identifying and authenticating users

financial services, namely, electronic funds transfer via electronic communications networks; money transfer services; electronic funds transfer services; clearing and reconciling financial transactions via a global computer network; providing a wide variety of payment and financial services, namely, credit card services, issuing prepaid credit cards, issuing of gift cards, currency exchange services, cheque cashing, issuing of prepaid vouchers and coupons for online purchases, processing and transmission of bills, payments thereof and bill payment services with guaranteed payment delivery; establishing funded accounts used to purchase goods and services on the Internet and payment to online retailers, merchants and content providers using cash account information stored in a centralized database and processing prepaid electronic payments all conducted via a global communications network