42 Software as a service (SAAS) featuring software to process refunds, process, reduce and respond to chargebacks, and aid the resolution of billing inquiries and disputes; Fraud and identity theft protection services, namely, electronic monitoring of credit card, debit card, and prepaid card activity to detect fraud; Computerized security services, namely, electronically monitoring, detecting and reporting on consumer data to detect suspicious and abnormal patterns regarding point of sale activity indicating theft, fraud, or other criminal activity related to such consumer data; Business to-business platform as a service (PAAS) featuring computer software platforms that accommodate multiple types of interaction services consisting of payment and debt transactions, registration, login, loyalty, couponing, KYC (know your customer), AML (anti money laundering), identity management and other consumer behavior online; rental of decentralized cloud storage facility for networked data centers of others; providing temporary use of online non-downloadable chatbot software for simulating conversations pertaining to travel and travel-related transactions; Fraud detection services in the field of credit card present and credit card not present transactions; Fraud detection services in the field of credit cards, debit cards, and payment cards for financial transactions; Fraud detection services in the field of credit cards, banking and retail/financial transactions; Providing fraud detection services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network