INOVIO

on-line billing services, automated subscription billing services

On-line ACH, credit card and electronic payment processing services; broad based financial services, namely, credit card and debit card transaction processing and payment processing services; charge card transaction processing services; electronic credit and debit transaction processing; point of sale and point of transaction services, namely, electronic cash, credit card, and debit card transaction processing, authorization, and debt settlement services; credit card and debit card verification; payment transaction authentication and verification services in the nature of credit card and debit card verification services; facilitating person-to-person payment services through electronic means via a global computer network, namely, bill payment services; providing financial information, namely, credit and debit card data and reports; providing financial information and financial analysis by electronic means in connection with credit card, debit card, and other payment card transaction processing, authorization, and debt settlement services, credit cardholder spending, fraud reimbursement services in the field of credit card purchases, financial risk management, terminated credit cards of merchants and reporting of charge backs on credit cards

Consulting services in the field of fraud protection in the field of on-line payment and billing services