computer software and associated user manuals for financial transaction processing, facilities management, credit, smart, stored value, and debit card processing, mutual fund processing, health care claims processing, telecommunication transactions processing, payment instrument processing and cable television billing processing; computer hardware and software and associated user manuals for payment systems, debt collection management, and electronic commerce and information management and to allow consumers to pay for goods and services by credit, debit or smart card at the point of sale, over a global computer network, by check or by money wire; software and associated user manuals for use in analyzing credit card expenditures and generating reports relating thereto; software and associated user manuals for use in connection with fraud management in the fields of financial, debit, and credit card services; software and associated user manuals for use in connection with issuing credit, debit, and other cards and digitally capturing photos and other images to be placed on the cards; computer program and associated user manuals for separating a card issuer's portfolio of customers into classes of cardholders that share common behavioral characteristics; combination electronic terminal, printer, and peripherals for use in the approval and processing of credit and debit card payments; computer software and hardware for image capture for use in the approval and processing of checks, credit and debit card payments; computer software, hardware, terminals, printers, signature capture devices, check readers, PIN pads, chip card readers, and peripherals for use in connection with check, credit card, debit card, and chip card transactions, transaction authorizations and payment processing services