Providing online payment processing services, namely, performing electronic verification of bank accounts, electronic payment accounts, phone subscriber accounts, credit cards, debit cards, prepaid payment cards and gift cards, and processing of electronic payment data, cash on delivery data, solvency and credit risk data in relation to payment services, all via a global computer network; business credit verification services, namely, credit worthiness, solvency and credit risks; providing financial information; financial research for others conducted using electronic databases and the Internet regarding credit worthiness, solvency and credit risks; consulting services related to all the aforesaid services