36 bill payment services in the field of consumer lending, namely, daily reconciliations and settlement, billing and statements, remittance processing, data entry; payment, namely, authorization of credit, electronic processing and transmission of bill payment data, chargeback processing, authorization of credit for automatic teller machines (ATMs), federal electronic benefits transfers (EBT), and automated clearinghouses; bill payment services in the fields of banking, finance, insurance, and independent sales-organizations (ISO), namely, data processing of debit/ATM/EBT in the fields of customer information, liability, asset, and insurance; processing and transmission of bill payment data, namely, proof and date entry, item sorting, generation of cash letters and statements, bulk filing, and document management and distribution