Financial and monetary services, namely, bill payment and presentment services, credit card authorization services, debit card authorization services, charge card authorization services, credit and debit transaction processing, electronic cash transactions, point of sale and point of transaction services, transaction authorization and settlement services, electronic payment processing services, credit card and debit card verification, payment transaction authentication and verification services; debt settlement services; consumer lending services, namely, lending and credit services; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce; electronic funds transfer, stored value smart card services and electronic cash services, namely, currency exchange in a secure environment over global electronic communications network; providing financial information, namely, credit and debit card data and reports, electronic funds transfer and currency exchange services; financial assessment and risk management services for others in the field of consumer credit; dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; financial analysis and consultation, namely, providing a wide range of information and analysis to financial institutions by electronic means in connection with credit cards, debit cards and other payment cards, marketing data, cardholder spending, fraud, risk management, terminated merchants and reporting of chargebacks on credit cards