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Check verification, credit recovery and collection services;
check authorization services; check acceptance services;
check guarantee services; electronic check conversion
services; payment processing and automatic payment deduction
services; electronic payment transaction processing and
authorization services; payment transaction processing via
form factor devices employing contactless or magnetic stripe
technologies; electronic processing and wireless electronic
processing of check, credit, debit and stored value card
payment transactions; electronic bill payment services,
namely, electronic processing and transmission of bill
payment data; bill payment services allowing consumers to
pay for goods and services by credit, debit or stored value
card or check at the point of sale, over a global computer
network; automatic teller machine (ATM) and debit card
processing services; financial services, namely, account
management, collection, remittance and retention services;
financial transaction capture, settlement, reconciliation
and reporting; chargeback handling and payment
authentication services; banking services, namely, bill pay,
account management, account summary and account transfer
over a global computer network; online banking services,
namely, design, implementation and management of online
banking systems for financial institutions; account
services, namely, providing information from databases and
live operators for financial institutions and merchants by
means of telephone and over a global computer network;
credit and financial risk management, analysis, and
assessment services; providing credit card management and
authorization via interactive databases; providing
information regarding credit and debit card holders, credit
and debit card accounts, and credit and debit card
transactions via an on-line, interactive computer database;
providing information and payment data relating to check,
credit card, debit card, stored value card and electronic
benefits transfer card transactions which enables merchants
to access and download via an online computer database;
providing analyzed data and producing a decision code for
check-related transactions and check authorizations via
interactive computer databases; providing online transaction
authentication and online payment services via online
interactive computer databases; providing financial
transaction data and customer data via interactive
databases; financial forecasting services; financial
research services; financial services, namely, currency
conversion services that allow the customer to pay for goods
in the currency of their choice and allow the merchant to
receive payment in the currency of their choice; risk
management services, namely, prevention, detection and
recovery of financial losses; financial services provided
through customized decision management tools for the
financial services processing industry used to respond to
consumer financial activities; issuing credit, debit, and
stored value cards; commercial card portfolio management
services; tax payment processing services; providing a
computerized tax deposit system for financial institutions;
healthcare card processing solutions, namely, an account
administration and benefits tracking system that enables
multiple fund balances for medical benefits accounts,
namely, health savings accounts, flexible spending accounts
and health reimbursement accounts to be accessed via a
single card that can also serve a medical identification
card; and financial services for the healthcare industry,
namely, validation of charges for insurance claims
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