Business office administrative support services for merchants, namely, customer relationship management and account receivable billing services, excluding artificial intelligence software and business and financial data analysis relating to investment management

Merchant services, namely, payment transaction processing service for merchants which utilizes point-to-point encryption and tokenization to increase payment data security; providing electronic processing of electronic funds transfer, ACH, debit card, and electronic check payments; providing secure payment gateway services, namely, application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit card, debit card, gift card, ACH and electronic check payments for merchants; electronic payment services involving electronic processing and subsequent transmission of bill payment data, namely, resubmission of declined, ACH, credit card and debit card payments