Account verification services; electronic commerce services, namely customer decisioning, funding, payment and debit processing, settlement and fulfillment, automated transaction authorization and verification, and providing automated clearing house, automated teller machine, point-of-sale and global computer network-based and financial transactions; electronic check processing and conversion; electronic check re-presentment; financial analysis services namely aggregating and analyzing data generated by demand deposit accounts and related transactions and preparing related reports; electronic transfer of funds and financial information-- cataloguing and researching information and transactions involving electronic funds transfer; processing of payment authorizations; verification of payment requests and funds sufficiency; cataloguing customer account data; automated teller machine services, namely cash management, balancing, settlement and network monitoring; card issuance and management services, namely authorization, on-line ordering, personal identification number handling, auditing, security and report generation; fraud and risk management services, namely point-of-sale global computer network-based and in-branch detection of check, debit and credit card fraud and information comparison and identity manipulation searching