41 Educational services, namely, organizing and presenting seminars and courses in the fields of computers and computer software and hardware for biometric recognition, identification, authentication, validation, verification and processing, computer software applications using speech, speaker, voice and language verification technology for banking and financial services transactions, telephone-based information services, secure commerce transactions, electronic commerce, point-of-sale and point-of-services transactions, travel, telecommunications services, calling card and cellular phone access, security, confidential information access, premises access and global information network web page access