36 Transactional payment processing services; Bill payment services; Credit card and payment card services; Credit card payment processing services; Credit holder verification services; Credit holder authentication services; Credit holder information evaluation services; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Electronic commerce business and personal credit verification services; Electronic commerce business, personal and transactional credit information gathering and/or evaluation services, namely, the Evaluation of the credit worthiness of companies and private individuals; Electronic foreign exchange business, personal and transactional credit information gathering and/or evaluation and/or processing, namely, the Evaluation of the credit worthiness of companies and private individuals in foreign exchange transactions; Electronic payment, namely, electronic processing and transmission of bill payment data; Electronic payment services, namely, electronic processing and transmission of credit information; Electronic processing of insurance claims and payment data; Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of automated clearing house (ACH) and credit card transactions and electronic payments via a global computer network; Providing electronic processing of credit card transactions and electronic payments via a global computer network; providing electronic processing of electronic funds transfer, automated clearing house (ACH), credit card, debit card, electronic check and electronic payments; Electronic commerce credit authentication services, namely, verification services for check, card, and electronic payment; evaluation services to assess risks with respect to credit card users and transactions