36 Credit card transaction processing services via a global communications network; providing global financial services in the nature of electronic payment transaction processing services and authorization services, for credit card and electronic check transactions via a global communications network; providing financial analysis and consultation, namely, providing a wide range of information and analysis to merchants by electronic means in connection with credit, debit, stored value and other payment cards, marketing data, cardholder spending, fraud, risk management, terminated merchants and reporting of chargebacks on credit cards; providing the electronic processing and transmission of bill payment data; providing the processing and transmission of bill payment data via a global computer network