Merchant and customer services, namely, providing a payment transaction processing services alternative for customers to pay the transaction value to the merchant; computerized payment facilitation services, namely, providing secure commercial transactions and payment options; financial risk assessment services for providing financial transaction fraud risk management services for merchants, financial institutions and telecommunications companies; financial risk management for fraud reimbursement services in the field of credit card purchases for merchants, financial institutions and telecommunications companies

Providing temporary use of on-line non-downloadable computer software for use in the detection and prevention of online fraud and credit card fraud and for payment facilitation in the form of payment alternative for customers to pay the transaction value to the merchant; computerized security services, namely, electronically monitoring, detecting and reporting on suspicious and abnormal patterns of on-line transaction activity indicating theft, fraud, or other criminal activity; providing user authentication services in e-commerce transactions; providing transaction fraud risk management services in the nature of electronic monitoring of credit card activity to detect fraud via the Internet for merchants, financial institutions and telecommunications companies

Computerized security services, namely, electronically monitoring, detecting and reporting on suspicious and abnormal patterns of on-line transaction activity indicating theft, fraud, or other criminal activity; providing user authentication services in e-commerce transactions; providing transaction fraud risk management services for merchants, financial institutions and telecommunications companies