36 Financial management services via global computer networks; providing information to consumers in the fields of personal financial management; financial risk assessment services, namely, financial risk scoring and modeling; providing financial history, payment history, loan and debt burden information to consumers; providing financial data analysis for financial purposes and financial advice; providing information on optimizing interest and minimizing fees for financial and card based accounts; on-line banking services enabling users to directly deposit tax refunds into accounts at financial institutions; debit account and refund account services for the payment and deposit of tax refunds provided through computer readable cards, debit cards and electronic funds transfer; transaction processing services for financial institutions and consumers, namely, processing of credit card transactions, debit card transactions, prepaid card transactions, and tax refund payments; Automated Clearing House (ACH) transaction processing services related to deposits of tax refunds; banking services, namely, online debit, pre-paid, stored-value and reloadable card balance and account tracking services accessed via secure internet banking platforms; providing online banking services, namely, optimizing interest and fees for financial and card accounts; providing information to consumers in the fields of small business financial management; credit scoring services; online banking services; issuance of credit cards and prepaid credit cards; electronic payment processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; electronic money transfer services; bill payment services; credit reporting services