35
Commercial information agency services for businesses in the
areas of real estate, property valuations, pre-employment
screening, energy utilization, motor vehicle reports,
consumer marketing, credit information, risk assessment,
identity verification, collections and debt recovery,
regulatory compliance, and life, health, property and
casualty insurance; marketing services, namely, market
research, market data analysis, consulting services in the
area of marketing programs, conducting and analyzing survey
research, providing mailing lists, direct mail advertising
services, and providing demographic, socioeconomic and
financial information for target marketing purposes;
business data processing services in the field of account
billing, monitoring and collecting; statistical analysis and
reporting services for business purposes, namely, conducting
business investigations on individuals and firms concerning
credit, character and finances in connection with insurance,
credit, employment and claims reporting services; providing
business information via a database; providing information
about employment and demographic data; employee relations
business management services for the businesses of others,
namely, employment and income verification services;
providing employee self-service electronic means for
reporting time or work accomplished and access to
compensation, benefits and tax reporting information and
electronic means for updating direct deposit and tax
withholding compensation preferences; business management
consulting services for the management and processing of
unemployment claims, costs and taxes; commercial information
services, namely, providing information about the personal
identification data, name, location, age, and employment of
individual consumers, via a computer database; business
consultancy and advisory services relating to managing
customer relationships; commercial information agency
services for businesses, namely, compiling consumer
demographic, lifestyle and/or behavioral data; business
management services, namely, account receivable billing
36
Consulting services in the field of life, health, property
and casualty insurance; credit inquiry and consulting
services; credit information services, namely, providing
credit information relating to consumer or commercial
applicants for credit, mortgage loans, utility services and
employment, and fraud prevention; credit evaluation,
decisioning, analysis and alert services; providing credit
application processing; credit inquiry and consulting
services; real estate appraisal services; information
services, namely, providing credit information via a global
network; providing financial data, namely, providing
information relating to insurance, credit, financial data,
wealth and affluence classification, mortgage loans, and
related information gleaned from motor vehicle and driving
history records, and to debt servicing; insurance risk
information reporting services concerning potential policy
holders; evaluation of credit bureau data; evaluation of
consumer credit data, namely, providing customers with point
of sale consumer information and consumer identification;
financial services, namely, providing credit grantors with
updated consumer credit information; financial services,
namely, providing historical credit scoring, financial
information, delinquency predictions and management,
identity verifications, and credit risk management for
others through the design of custom models for predicting
credit usage patterns and trends; financial risk services
for others, namely, financial risk analysis and strategic
financial risk advisory services; financial consulting
services in the fields of account origination and portfolio
management; providing estimates and indices to determine
creditworthiness by classifying individuals according to
wealth, affluence, financial capacity and risk management;
providing financial and credit information via a database;
providing information relating to insurance, credit,
financial data, mortgage loans, and employment, and relating
to motor vehicle reports, and to debt servicing via a
database; providing information relating to insurance,
credit, mortgage loans and debt management; check
authorization and check payment warranty services; financial
risk management services; debt collections and recovery
services; financial delinquency management services; income
verification services for the purpose of financial lending;
mortgage default management; mortgage loan origination
services; mortgage marketing and acquisition services;
mortgage portfolio optimization; banking services, namely,
retail banking compliance and fraud, marketing, regulatory,
and risk solutions; tax management services
42
Managed service provider, application service provider,
software as a service (SAAS), and hosted services featuring
non-downloadable software in the fields of fulfillment,
credit processing, risk analysis, identity verification,
data analysis, demographic analysis, risk modeling and
analytics, decisioning and analysis, credit reporting,
credit letter generation, credit score and hypothetical
credit score decisioning and analysis, credit marketing and
account management, wealth and affluence classification,
fraud protection and wealth and affluence classification
registry; platform as a service (PAAS) featuring computer
software platforms for use in connection with evaluating
credit and other data as risk predictors, financial credit
risk modeling and analytics, credit score analysis; platform
as a service (PAAS) featuring computer software platforms
for the processing of ecommerce transactions that verify the
identification and authentication of the mobile user for
fraud prevention, the provision of financial information,
and the capability to prescreen and extend offers of credit
and market to ecommerce consumers through the use of
ecommerce customer data and analytical tools; application
service provider (ASP) featuring software in the field of
credit application processing, risk analysis, identify
verification, consumer, non-regulated, and commercial
reporting-agency data analysis, credit risk modeling and
analytics, credit letter generation, credit score and
hypothetical credit score decisioning and analysis, and
credit fraud protection; providing temporary use of
non-downloadable software for business management services
in the nature of processing automated applications, managing
accounts, and assessing business risk based on information
from commercial credit providers; hosting computer databases
containing information relating to applicants for insurance,
credit, mortgage loans, and employment, and relating to
motor vehicle reports, to debt servicing, and to
demographic, socioeconomic and financial data for target
marketing; monitoring of computer systems for detecting
unauthorized access or data breach in relation to credit
reports, the Internet, and public records to facilitate the
detection and prevention of identity theft and fraud
45
Providing databases of information about fraud and identity
theft protection; fraud alert and identity theft protection
services, namely, monitoring consumer credit reports and
providing an alert to any changes therein
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