assisting individuals and businesses in transactions in the nature of providing and relaying information in connection with business-to-business settlement and transaction management, namely, facilitating financing, insurance, financing the cost of shipping, the inspection and scoring of credit reports and other financial data to determine the credit risk of individuals and businesses seeking loans; facilitating payment or settlement of transactions, namely, electronic money transfers, maintaining escrow accounts, credit card, debit card and check payment services, all via the global computer network