Association services, namely, promoting the interests of financial institutions, merchants, and consumers in connection with the secure processing of online purchasing and payments, electronic payment verification, collection and processing services, and electronic draft capture, authorization, and processing of transactions and payments for credit card, debit card, ATM card and other electronic purchases; Consulting services in connection with the promotion of industry wide standards in the field of electronic funds transfer security; Consulting services in the field of maintaining the security and integrity of financial information, namely, consulting services in connection with the development and promotion of industry wide standards in the field of electronic funds transfer security, consulting services in the field of financial information security strategy and policies, and developing financial information security strategies and policies for others; Business management and organization consultancy; public relations; commercial information consultancy; marketing research; marketing studies; business information services