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COMPUTER HARDWARE; INTEGRATED CIRCUIT CHIPS FOR PROCESSING BINARY DATA; CENTRAL PROCESSING UNITS; COMPUTER SOFTWARE FOR ENABLING THE SECURE TRANSFER OF DATA, SOUND AND IMAGES VIA ENCRYPTION USING STANDARD PUBLIC KEY INFRASTRUCTURE (PKI) WITH THE ADVANCED ENCRYPTION STANDARD (AES) ALGORITHM; COMPUTER SOFTWARE FOR THE PURPOSE OF PROTECTING THE SECURITY OF FILES, PROGRAMS AND DATA; AND COMPUTER SOFTWARE FOR ENABLING SECURE FINANCIAL TRANSACTIONS VIA STANDARD BANKING ENCRYPTION PROTOCOLS AND BYPASSING MERCHANT GATEWAYS WITH DIRECT DELIVERY TO FINANCIAL INSTITUTION GATEWAYS INSTEAD

BILL PAYMENT SERVICES; ELECTRONIC PAYMENT, NAMELY ELECTRONIC PROCESSING AND TRANSMISSION OF DATA AND PURCHASE PAYMENT DATA; ELECTRONIC FUND TRANSFER FOR OTHERS