EFD

Computer software for account verification services; computer software for electronic commerce services, namely customer financial advice and decisioning, funding, payment and debit processing, settlement and fulfillment, automated transaction authorization and verification, and providing automated clearing house, automated teller machine, point-of-sale and global computer network banking and financial transactions; computer software for electronic check processing and conversion; computer software for electronic check re-presentment; computer software for financial analysis services, namely aggregating and analyzing data generated by demand deposit accounts and related transactions, and preparing related reports; computer software for electronic transfer of funds and financial information; computer software for cataloguing and researching information and transactions involving electronic funds transfer; computer software for processing of payment authorizations; computer software for verification of payments request and funds sufficiency; computer software for cataloging customer account data; computer software for automated teller machine services, namely cash management, balancing, settlement, and network monitoring; computer software for card issuance and management services, namely authorization, on-line ordering of checks, personal identification number handling, auditing, security, and report generation; computer software for fraud and risk management services, namely point-of-sale, global computer network based and in branch detection of check, debit and credit card fraud, and information comparison and identity manipulation searching; computer software for use in providing an integrated suite of payment switching, clearing and settlement for use by multiple parties in the payment processing lifecycle, namely financial institutions, payment processors, retailers and card associations; computer software for processing financial transactions and providing risk assessment analysis

Outsourcing in the field of finance, banking, electronic payment management, and business processes

Account verification services; electronic commerce services, namely customer financial advice and decisioning, funding, payment and debit processing, settlement and fulfillment, automated transaction authorization and verification, and providing automated clearing house, automated teller machine, point-of-sale and global computer network banking and financial transactions; electronic check processing, verification and conversion; electronic check re-presentment; financial analysis services, namely aggregating and analyzing data generated by demand deposit accounts and related transactions, and preparing related reports; electronic transfer of funds and financial information cataloguing and researching information and transactions involving electronic funds transfer; processing of payment authorizations; verification of payments requests and funds sufficiency; cataloguing customer account data; automated teller machine services, namely cash management, balancing, settlement, network monitoring, and the deployment and management of automated teller machines; electronic benefits transfers; card issuance and management services, namely authorization, on-line ordering of checks, personal identification number handling, auditing, security and report generation; risk management services, namely, point-of-sale, global computer network-based and in-branch information comparison and identity manipulation searching and verification of check, debit and credit card transactions

Electronic storage of customer account data, electronic funds transfer data, and electronic transaction data

Application service provider (ASP), namely, hosting computer software applications of others; application service provider (ASP) featuring software in the field of financial transactions and banking for use in database management, ATM and credit card transactions, fraud and risk management, account verifications, electronic commerce services, automated transaction authorizations and verifications, automated teller machines, business process outsourcing, and point-of-sale and global computer networks for banking and financial transactions; computer software design, maintenance, and customization of computer software for others