Financial services, namely, financial administration of online cash accounts, electronic commerce payment services in the nature of establishing funded accounts used to purchase goods and services on the internet, processing of electronic wallet payment, evaluation of risk in connection with existing and new financial accounts; merchant services, namely, payment transaction processing services; credit card payment processing services; processing of contactless credit and debit card payments; electronic payment services involving electronic processing and subsequent transmission of bill payment data; processing of credit card payments; processing of debit card payments; financial risk management

Encrypted electronic transmission and delivery of recovered data

Data encryption services; data encryption and decoding services; providing a secure, web-based service featuring technology that enables individuals to remotely create and manage their own accounts so that whatever private content they upload now can be encrypted, then delivered to their intended recipients, at the time and in the manner requested; data encryption services for providing security and anonymity for electronically transmitted credit card transactions; automation of operational business decisions, namely, design and development of automated software processes for use in fraud assessment; merchant services, namely, data encryption services; electronic payment processing and protection services, namely, tokenization of payment data to protect and enable secured merchant transactions; fraud prevention and management services, namely, electronic evaluation of commercial transactions and accounts to identify, reduce, and eliminate fraudulent financial transactions