BEANSTREAM INTERNET COMMERCE INC.

Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network

Providing fraud detection services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; Providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions via a global computer network