Computer software for retrieving and analyzing lending information; computer software for use in automation, management and maintenance of business rules and business policies; computer software that provides automated and manual execution of procedures based on rules for the lending process; interactive computer software for use by customers, suppliers and business partners, to facilitate collaboration and efficiency; computer software for objective analysis of credit and vendor data; computer software for determining optimized pricing scenarios for specific lending situations based on a wide variety of data and statistical models; computer software for use in the lending field for determining and presenting cross-sell offers of credit across multiple lines of business through any available point of contact with a customer or potential customer using a wide variety of data sources and channels

Credit inquiry; evaluation of credit bureau data; credit risk management; excluding from all the foregoing credit card, debit card, payment card and ATM services, and the processing of credit card, debit card and payment card transactions

Application service provider featuring software for processing of lending and credit applications; application service provider featuring software for use in the lending field, for risk analysis, data analysis, risk modeling, and credit score calculation; application service provider featuring software for use in the lending field, for real-time creation of documents used in credit application processing; application service provider featuring software for use in the lending field, for modification of attributes used in business rules; application service provider featuring software for use in the lending field, for providing reports and analyses; application service provider featuring software for use in the lending field, for use in credit decisions, for evaluating applications, acquiring third party data, performing risk analysis, conducting identity verification, and conducting fraud investigation; application service provider featuring software for use in the lending field, for providing a single, real-time credit prescreen based on third party vendor or credit bureau data; application service provider featuring software for use in the lending field, for developing interactive graphical user interface web pages