9 computer software prerecorded on CD-ROMs, and/or downloadable from a global computer network, for on-line registration by, and authentication of, subscribing businesses/merchants to establish accounts, for enabling such subscribing businesses/merchants to conduct electronic transaction processing, and other non-cash transaction processing, namely, credit card and debit card processing and check guarantee services, for securing electronic payment conducted over a global computer network and for integrating such accounts; and instruction, training and installation manuals therefore sold as a unit