35
Data processing services in the field of check, credit,
debit, stored value and electronic benefits transfer card
transactions and payments; bookkeeping and data processing
in the field of employee benefits and pension plans;
advertising services, namely, selective insertion of
promotional and informational materials into mailings;
advertising and marketing services, namely, direct mail,
development and creation of brochures, sales support
communications and other promotional materials; marketing
services for others, namely document formatting and
providing a common gateway to manage and format marketing
campaigns across delivery channels including print, email
and over a global computer network; marketing and
advertising services for others, namely offering onscreen
advertising on automatic teller machines (ATMs); mail
processing services for others; business management, namely,
information and workflow processing management services;
business administration services, namely, computerized order
processing and inventory management; developing and
implementing electronic commerce capabilities for clients
via a global communications network and automated teller
machines; business services, namely, preparing and issuing
statements of financial accounts, tracking information sent
in mailings and issuing mailings based on account
activities; providing business information management
services, namely managing a database of business information
and data and preparing models, reports and correspondence
based on such information for use in management activities
and in customer mailings; business services for others,
namely, database modeling, scoring and information services
for card issuers, deposit banks, and other direct marketers;
business investigations, namely, applicant background
screening services; accounts receivable management services,
namely, pre- and post- charge of collection services;
operation of customer call centers and technical assistance;
customer care services over the phone and over a global
computer network; in-bound and out-bound telemarketing and
automated information services; business services, namely,
providing systems to resolve customer service inquiries for
financial institutions and merchants; disputes management
system for handling disputed transactions on credit and
debit cards; administration of incentive reward and
promotional programs for financial institutions and
merchants to generate customer loyalty; promoting the sale
of the goods and services of others by distribution,
processing, fulfillment and redemption of electronic coupons
over a global computer network, with redemption in the form
of a credit to consumer's credit card; business research
services, namely, analysis of financial data and information
for comparison to industry standards
36
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 risk management, analysis, and assessment
services; providing interactive databases in the field of
credit card management and authorization; providing an
online inventory management system; providing an on-line,
interactive computer database containing information
regarding credit and debit card holders, credit and debit
card accounts, and credit and debit card transactions;
providing an online computer database which enables
merchants to access and download check, credit card, debit
card, stored value card and electronic benefits transfer
card transaction information and payment related data;
providing interactive computer databases which analyzes data
and produces a decision code for check-related transactions
and check authorizations; providing online interactive
computer databases and online-provider services enabling
online authentication and online payment; providing
interactive databases containing financial transaction data
and customer data; 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; customized decision management
tools for the financial services processing industry used to
respond to consumer financial activities; issuing credit,
debit, and stored value cards; customized financial
statement and card design services; 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
45
Fraud control, prevention and detection services
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