Information technology services, namely, designing and maintaining computer programs for others in the area of payment processing services that facilitate electronic processing, transmission, transfer and bank account settlement of credit card, debit card, bank card, stored value card, loyalty card, gift card, electronic benefits, check, mobile, online, electronic funds, and bill payment and transaction data via a global computer network, data encryption and data security services, namely, providing security and anonymity for electronically transmitted credit card, debit card, bank card, stored value card, loyalty card, gift card, electronic benefits, check, mobile, online, electronic funds, and bill payment data and transactions via a global computer network, providing use of on-line, non-downloadable software for use by entities, namely, financial institutions, merchants, value-added resellers, software dealers and other payment processors, in order to process credit card, debit card, bank card, stored value card, loyalty card, gift card, electronic benefits, check, mobile, online, electronic funds, and bill payment transactions via a global computer network, providing temporary use of on-line non-downloadable software for use in analyzing credit and debit card expenditures and generating reports relating thereto