Credit card and debit card account updater services, namely, automated credit card and debit card account information update services that allow online and brick and mortar merchants to securely receive updated credit card and debit card account information of their customers due to lost, stolen or renewed credit cards and debit cards, and due to credit card and debit card expiration date changes, and due to cancelled or closed credit card and debit card accounts; Credit card and debit card account updater services, namely, automatic and secure provision of credit card and debit card account information updates to online and brick and mortar merchants to ensure that their recurring and credentialed payment transactions successfully settle without the need to contact the cardholder for updated account information

Application service provider (ASP) that enables online and brick and mortar merchants to securely and automatically inquire and receive credit card and debit card account information updates from card issuers to ensure that their recurring and credentialed payment transactions successfully settle without the need to contact the cardholder for updated account information; Application service provider (ASP) that automatically and securely procures and provides updates to online and brick and mortar merchants from credit card and debit card issuers of changes to their customers' account information resulting from lost, stolen, or renewed credit cards and debit cards, and due to credit card and debit card expiration date changes, and due to cancelled or closed credit card and debit card accounts; Application service provider (ASP) that automates the payment industry's mandatory requirements for merchant enrollment, merchant service agreements, card holder data sorting, routing by card brands and card issuers, reporting, and payment card industry (PCI) compliance, and that provides brick and mortar and online merchants and software and technology companies that store PCI Level 1 data the ability to securely send and receive encrypted card data inquiries and updates from card issuers worldwide