[ Check verification, ] credit recovery and collection services, check authorization services; check acceptance services; [ check guarantee services; ] payment processing, namely, electronic processing of check, credit, credit card and debit card payment transactions, and automatic payment deduction services for customers; financial risk management services; processing recurrent payments and automatically deducting such payments from bank accounts for customers; fraud control services in the nature of correcting bank information on checks presented for payment; check charge services by telephone and over the Internet; namely, electronic and telephonic acceptance, authorization and processing of check transactions, and electronic check conversion rendered to retail establishments at the point of sale or point of purchase, wholesalers, third party providers of check authorization and lockbox and bill remittance providers; and related fraud screening services, namely, verification of payment requests and funds sufficiency, and fraud and risk management services, namely, point of sale or point of purchase Internet-based and telephonic detection of check fraud and information comparison and identity manipulation searching; and financial transaction processing services, namely, electronic funds transfer, electronic benefits transfer, processing employee discount and loyalty program transactions for others; collection agency services; electronic check representment services, namely, electronic resubmission to financial institution on which check has been drawn for payment of a check which previously has been dishonored due to insufficient funds in payor 's account; and electronic check processing services conducted over the Internet