Data processing services in the field of check, credit, debit, stored value and electronic benefits transfer card transactions and payments; business management, namely, information and workflow processing management services; business administration services, namely, computerized order processing and inventory management; Business consulting in the field of developing and implementing electronic commerce capabilities for payments 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, providing market analysis in the nature of business marketing database modeling and scoring, and providing business marketing information services for card issuers, deposit banks, and other direct marketers; in-bound and out-bound telemarketing; providing in-bound and out-bound automated business information; business consulting services relating to the resolution of customer service inquiries for financial institutions and merchants; providing business consulting relating to the handling of 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 through the distribution of printed material and promotional contests; maintenance of financial records; Discount card services, namely, promoting the goods and services of others through the distribution of discount cards, sales promotion for others through distribution of discount cards and through the distribution and administration of privileged user cards, incentive award programs to promote the sale of products and services of others, administration of a customer loyalty program which provides incentives at the point of sale, and organization, operation, management, and supervision of customer loyalty programs through the issuance of discount cards that can be presented to merchants to receive benefits including discounts on the cost of services and bonus services; providing online inventory management; customized financial statement services

Processing of financial transactions in the nature of processing of credit card and debit card transactions both on-line via a computer database or via telecommunications and at the point of sale; electronic funds transfer and currency exchange services; dissemination of financial information via the internet and other computer networks; stored value electronic purse services, namely, providing stored value card account payment services; provision of debit and credit services in the nature of issuing credit and debit cards, and processing payments of credit cards and debit cards on behalf of a merchant for contactless payment by means of radio frequency identification devices in the nature of transponders by means of communication and telecommunication devices; provision of debit and credit services in the nature of issuing credit and debit cards, and processing payments of credit cards and debit cards on behalf of a merchant for contactless payment by means of communication and telecommunication devices; cheque verification services; provision of financial services for the support of retail services provided through mobile telecommunications means, namely, credit card payment services through wireless devices; bill payment services; on-line banking; provision of financial information relating to rates of exchange; payment processing and automatic payment deduction services in the field of credit card payments; electronic payment transaction processing in the field of credit card payments and credit card, debit card, prepaid card authorization services; credit cards, debit cards and prepaid cards 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 and debit card processing services; financial services, namely, banking and credit card services in the nature of charge card and credit card payment processing services, and issuing of credit cards, debit cards, and Bank identification numbers; money exchange and money transfer services; providing credit card, debit card, charge card and stored value prepaid card services; electronic banking, bill payment services; Providing credit card services, namely, charge card and credit card payment processing services, credit card authorization services, credit card factoring services, credit card verification, credit card payment processing services, credit card transaction processing services, processing of credit card payments, electronic credit card transaction processing, cash replacement rendered by credit card, charge card and credit card payment processing services, providing cash and other rebates for credit card use as part of a customer loyalty program, providing electronic processing of credit card transactions and electronic payments via a global computer network, processing of credit and debit card payments via near field communication (NFC) technology-enabled devices, processing of contactless credit and debit card payments, payment processing services in the field of credit card payments, issuing prepaid credit cards, issuing credit cards, and payment processing services, namely, credit card and debit card transaction processing services, Providing credit card services, namely, electronic debit card transaction processing, processing of debit card payments, and issuing prepaid debit cards; Providing charge card services, namely, issuing and processing payments of charge cards for business and merchants; cash advance services for business and merchants; stored value card account access services, namely, issuing of stored value cards; credit card, debit card, charge card, pre-paid card and stored value card services, namely, issuing of credit cards, debit cards, charge cards and pre-paid and stored value cards; financial services, namely, checking and savings account management, and debt collection; financial transaction capture, settlement, reconciliation and reporting; charge back handling and payment authentication services, namely, chargeback recovery services and credit card payment authentication services; banking services, namely, bill pay, account management, account summary and account transfer over a global computer network; online banking consulting services, namely, consulting relating to the design, implementation and management of online banking systems for financial institutions; account services, namely, providing financial 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 interactive databases in the field of credit card account management and authorization; providing an on-line, interactive computer database featuring financial 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 online bill payment services; providing interactive databases containing financial information in the nature of financial transaction data and customer data; 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; financial risk management services, namely, prevention, detection and recovery of financial losses; issuing credit, debit, and stored value cards; financial portfolio management services for card holders; financial research services, namely, analysis of financial data and information for comparison to industry standards

Telecommunications