Computer software for use by financial institutions, ISP's, commerce service providers and large merchants supporting multiple currencies and languages by currency conversion and translation, for web based administration and reporting of on line purchase and credit transactions through URL or API interface; multi-level security and encryption, and supporting application plug ins, namely, for online bill presentation and payment, direct credit/debit transactions and accounts and smart card and E-check transactions

'account':66 'administr':29 'api':42 'applic':52 'base':28 'bill':58 'card':69 'check':73 'commerc':10 'comput':1 'convers':23 'credit':37 'credit/debit':63 'currenc':18,22 'direct':62 'e':72 'e-check':71 'encrypt':49 'financi':6 'in':54 'institut':7 'interfac':43 'isp':8 'languag':20 'larg':14 'level':46 'line':34 'merchant':15 'multi':45 'multi-level':44 'multipl':17 'name':55 'onlin':57 'payment':61 'plug':53 'present':59 'provid':12 'purchas':35 'report':31 'secur':47 'servic':11 'smart':68 'softwar':2 'support':16,51 'transact':38,64,74 'translat':25 'url':40 'use':4 'web':27

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