FINAL

Credit card services; credit card and debit card services; credit card and payment card services; electronic credit card transactions; credit card verification; issuing of credit cards; on-line banking services featuring electronic alerts that alert credit and debit card users when a single transaction exceeds a certain amount; payment processing services, namely, credit card and debit card transaction processing services; providing electronic processing of credit card transactions and electronic payments via a global computer network; payment processing services for merchants and business management software providers which utilizes point-to-point encryption and tokenization to increase payment data security; credit card and payment card services, namely, issuing and processing virtual credit and payment cards