Financing and loan services; financing loans for online consumers; financing of purchases; consumer lending services; consumer purchase financing; online consumer purchase financing; authorizing and approving of consumers and businesses for loans; processing and settling loan transactions; processing payments for loans; debt consolidation and debt cancellation services; recovery and collection of loans; issuing of credit cards and credit accounts; promoting credit cards and credit accounts; administration and servicing of credit cards and credit accounts; authorizing and approving of consumers and businesses for credit cards and credit accounts; processing and settling of credit card and credit account transactions; credit card and credit account payment processing services; recovery and collection of credit card accounts and credit accounts; banking and financing services; banking services, namely, providing deposit accounts, certificates of deposit, and loan services; pre-paid purchase card and gift card services; providing cash and other rebates for credit card use as part of a customer loyalty program; loyalty program payment processing services; financial data analysis and modeling