Providing temporary use of on-line, non-downloadable software for use by merchants to process payment transactions made by check, credit, debit or stored value card over a global computer network; providing temporary use of on-line non-downloadable software for use in analyzing credit and debit card expenditures and generating reports relating thereto; equipment leasing, namely, leasing of computer hardware and peripheral equipment for use in point of sale transactions; computer services, namely, designing and maintaining computer programs for others in the field of payment processing services, customer loyalty services and receivables management services, excluding mortgage lending and closing services; computer services, namely, designing computer networks for others in the field of payment processing services, customer loyalty services and receivables management services; data encryption and data security services, namely, providing security and anonymity for electronically transmitted payment transactions; web service solutions, namely, website hosting services and design of websites for others, namely, web based stores; website design and website management services for financial institutions; consulting services in the field of computer-based information systems for businesses which utilize payment processing services, customer loyalty services and receivables management services; computer services, namely, implementing e-commerce websites for others; providing temporary use of on-line non-downloadable software in the nature of an online interactive computer database which analyzes financial data for use in authorizing or declining check-related transactions. providing temporary use of on-line non-downloadable software in the nature of an online interactive computer database which analyzes data for use in authentication of users and payments in online financial transactions; providing temporary use of on-line non-downloadable software to the financial services industry for analyzing financial data used to authorize or decline consumer credit requests; graphic design of financial statements and credit, debit and stored value cards for others