Financial services, namely, electronic funds transfer and payment processing, banking, bill payment and presentment services, transaction authorization and settlement services, electronic payment processing services, payment transaction authentication and verification services, facilitating person-to-person payment services through electronic means via a global computer network; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce; providing financial information, namely, financial data and reports, financial records management, financial assessment and risk management services; credit management services, dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; financial analysis and consultation, namely, providing a wide range of information and analysis to financial institutions by electronic means in connection with credit cards, debit cards and other payment cards, marketing data, cardholder spending, fraud, risk management, terminated merchants and reporting of chargebacks on credit cards