9 COMPUTER SOFTWARE AND PROGRAMS, NAMELY, CLIENT/SERVER ARCHITECTURE, RELATIONAL DATABASE INTEGRATION, DATABASE MANAGEMENT, DATA ACCESS, DATA CONTROL, GLOBAL COMMUNICATION NETWORK ACCESS AND GRAPHIC USER INTERFACE FOR BUSINESS APPLICATIONS; COMPUTER SOFTWARE FOR PERFORMING AND PROCESSING ELECTRONIC PAYMENTS AND FUNDS TRANSFERS; COMPUTER SOFTWARE FOR PERFORMING AND PROCESSING AUTOMATED CLEARANCE AND SETTLEMENT OF ELECTRONIC PAYMENTS; COMPUTER SOFTWARE THAT PROVIDES TRAINING IN PERFORMING AND PROCESSING ELECTRONIC PAYMENTS, FUNDS TRANSFERS, AND AUTOMATED CLEARANCE AND SETTLEMENT OF ELECTRONIC PAYMENTS; COMPUTER SOFTWARE FOR USE IN PROCESSING, TRANSMITTING, RECEIVING, STORING, ACCOUNTING FOR AND CALCULATING FINANCIAL INFORMATION; ELECTRICAL, ELECTRIC AND ELECTRONIC APPARATUS AND INSTRUMENTS, NAMELY, COMPUTERS, POINT OF SALE TERMINALS, AND MICROPROCESSORS; SMARTCARD SYSTEMS, NAMELY, STORED VALUE CARDS, DATA PROCESSORS, DATA TRANSMITTERS, AND DATA RECEIVERS FOR USE WITH AN ELECTRONIC BILL PRESENTATION AND PAYMENT SYSTEM AND PARTS AND ACCESSORIES THEREFOR; CALCULATORS; CASH DISPENSERS TO RECHARGE CARDS; ELECTRONIC CASH POINT MACHINES FOR DEPOSIT OR WITHDRAWAL OF FUNDS, NAMELY AUTOMATED TELLER MACHINES; COMMUNICATIONS APPARATUS AND INSTRUMENTS, NAMELY, TELEPHONES, ELECTRONIC OR BATTERY-POWERED TERMINALS, ELECTRONIC CARDS AND ELECTRONIC WALLETS