36 Issuing of vouchers for use as discounts toward the purchase of online goods and services, namely, providing vouchers for payment of goods and services of others; Issue of tokens, coupons and vouchers of value; Issuing tokens of value in the nature of gift vouchers resulting from product negotiation, retargeting and countering offers; Bill payment services following a negotiated online transaction; Credit card payment processing, namely, processing of electronic wallet payments; On-line bill payment services; Processing of credit card payments; Processing of debit card payments, namely, issuing of prepaid gift cards and issuing of payment gift vouchers of value for purchasing the goods and services of others; Processing payments made by charge cards, namely, credit card and payment card processing services; Bill payment services provided through a website, namely, payment transaction processing services via the Internet; all of the aforementioned services related to online negotiation chatbots, e-commerce payments, and consumer purchasing behavior and loyalty data, and specifically excluding software related to search engine optimization, social media, and the restaurant industry