BEYOND THE TRANSACTION

Data processing services in the field of check, credit, debit, stored value and electronic benefits transfer card transactions and payments; business services for others, namely, providing market analysis in the nature of business marketing database modeling and scoring and providing business marketing information services for card issuers, deposit banks, and other direct marketers; operation of telephone call centers for others; customer services, namely, providing customer service and product inquiry services via telephone and e-mail for others. customer loyalty services for financial institutions and merchants for commercial, promotional and/or advertising purposes, namely, conducting incentive award programs to promote the sale of products and services of others; promoting the sale of the goods and services of others through the distribution and processing of electronic coupons issued over a global computer network; providing an on-line interactive database containing commercial business information regarding consumers, namely, commercial financial transaction data, consumer data and customer data; processing of customer loyalty points, discounts and rewards via wireless proximity payment devices and magnetically encoded cards

Check verification, credit recovery and collection services; check authorization services; check acceptance services; check guarantee services; electronic check conversion services; payment processing, namely, electronic processing of check, credit, credit card and debit card payment transactions and automatic payment deduction services for customers; electronic payment transaction processing and authorization services for credit, debit and stored-value payment transactions; payment transaction processing for credit, debit and stored-value payments via wireless proximity payment devices and magnetically encoded cards; electronic processing and wireless electronic processing of check, credit, debit and stored value card payment transactions; electronic bill payment services, namely, electronic processing and transmission of bill payment data; bill payment services allowing consumers to pay for goods and services by credit, debit or stored value card or check at the point of sale, over a global computer network; automatic teller machine (ATM) banking services; debit card payment processing services; processing of charge back payments and payment verification services relating to check, credit card and debit card payment transactions; banking services, namely, providing bill payment, bank account transfers and financial account management and information relating to bank accounts via a global computer network; financial services, namely, credit risk management, analysis, and assessment services; providing interactive databases in the field of financial information relating to credit card services and credit card transaction processing services. providing an online interactive computer database containing consumer financial information regarding holders of checking accounts and credit and debit cards for use by others for purposes of credit risk management; financial research services; financial services, namely, currency conversion services that allow the customer to pay for goods in the currency of their choice and allow the merchant to receive payment in the currency of their choice; financial risk management; issuing credit, debit, and stored value cards; financial portfolio management in the field of commercial credit cards accounts; financial analysis services; tax payment processing services; financial services, namely, processing of electronic payment transactions for health savings accounts, flexible spending accounts, and health reimbursement accounts; collection of debts, namely, pre- and post- charge off debt collection services; web service solutions, namely, providing secure electronic processing of credit card and debit card transactions and electronic payments via a global computer network; and electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; payment processing services relating to disputed transactions, namely, processing of credit card and debit card payment refund transactions for others

Providing temporary use of on-line, non-downloadable software for use by merchants to process payment transactions made by check, credit, debit or stored value card over a global computer network; providing temporary use of on-line non-downloadable software for use in analyzing credit and debit card expenditures and generating reports relating thereto; equipment leasing, namely, leasing of computer hardware and peripheral equipment for use in point of sale transactions; computer services, namely, designing and maintaining computer programs for others in the field of payment processing services, customer loyalty services and receivables management services, excluding mortgage lending and closing services; data encryption and data security services, namely, providing security and anonymity for electronically transmitted payment transactions; computer services, namely, implementing e-commerce web sites for others; providing temporary use of on-line non-downloadable software in the nature of an online interactive computer database which analyzes financial data for use in authorizing or declining check-related transactions. providing temporary use of on-line non-downloadable software in the nature of an online interactive computer database which analyzes data for use in authentication of users and payments in online financial transactions; providing temporary use of on-line non-downloadable software to the financial services industry for analyzing financial data used to authorize or decline consumer credit requests

Providing fraud detection services for electronic payment transactions; identification verification services, namely, providing authentication of consumers' personal identification information; monitoring of computer systems for security purposes