SMARTER PAYMENT GATEWAY

Bill payment services provided through a website; credit card and payment card services; credit card payment processing services; electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the internet; money order payment guarantee services; payment processing services, namely, credit card and debit card transaction processing services; pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; providing electronic processing of credit card transactions and electronic payments via a global computer network; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments

Providing use of non-downloadable e-commerce software to allow users to perform electronic business transactions via a global computer network, to create and manage an online e-commerce store, to enable electronic communications with customers, and to design and develop advertisements and marketing campaigns; providing use of non-downloadable fraud detection software; providing use of non-downloadable digital rights management software; developing and hosting a server on a global computer network for the purpose of facilitating e-commerce via such a server; custom design and development of computer software

Fraud protection services; providing fraud detection services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; providing user authentication services in e-commerce transactions