Administration and reconciliation of transactions involving funds drawn from banks accounts on behalf of others using a debit card over an electronic and optical communications network; management of expense reimbursements to research subjects by clinical investigators

Payment processing services, namely, debit card transaction processing services; Prepaid purchase services, namely, processing of payments made through pre-paid cards, allowing users to transfer value via an electronic or optical communications network; Stored-value cards services for allowing users to transfer value via an electronic or optical communications network; Providing electronic processing of electronic funds transfers; Electronic payment services, namely, establishing funded accounts used to purchase goods and services via an electronic or optical communications network

Providing temporary use of on-line non-downloadable software accessed via an electronic and optical communications network for the management, administration, processing, clearing, reconciling and tracking of electronic fund transfers and financial transactions using debit and stored-value cards; providing temporary use of on-line non-downloadable software accessed via an electronic and optical communications network for the management of expense reimbursements to research subjects by clinical investigators; providing temporary use of on-line non-downloadable software accessed via an electronic and optical communications network for statistical analysis, transaction processing, the production of notifications and reports, and the uploading of transactional data; computer services, namely, acting as an application service provider in the field of knowledge management to host computer application software for creating databases of information and data to facilitate statistical analysis, transaction processing, the production of notifications and reports, and the uploading of transactional data

providing fraud detection services for electronic funds transfer and debit card transactions via an electronic and optical communications network