ETERM

Electronic order processing to facilitate on-line retail transactions of the goods and services of others via a global communications network; on-line retail services featuring electronic gift cards and gift certificate redemption services

Credit card transaction processing services via a global communications network; providing global financial services in the nature of electronic authorization, processing and management of credit card and electronic check transactions via a global communications network; providing electronic banking services; providing financial information via a global communications network; providing financial analysis and consultation, namely, providing a wide range of information and analysis to merchants by electronic means in connection with credit, debit, stored value and other payment cards, marketing data, cardholder spending, fraud, risk management, terminated merchants and reporting of chargebacks on credit cards; providing the electronic processing and transmission of bill payment data; providing the processing and transmission of bill payment data via a global communications network

Providing the electronic transmission of financial data featuring encryption and decryption; Electronic transmission of data via computer terminals

Providing temporary use of on-line non-downloadable software for use in electronic payment processing and the tracking and reporting of payment transactions