F3

Providing temporary use of online non-downloadable software for merchants to validate transactions from debit card payments, cash card payments, automated clearing house (ACH) payments, and payments drawn from checking accounts; providing temporary use of online non-downloadable software for merchants to authenticate and validate cardholder identification; providing temporary use of online non-downloadable software for transaction processing services for merchants; providing temporary use of online non-downloadable software for fraud risk management services for merchants, namely, assessing the risk of fraud in commercial transactions for merchants