36 Banking services; broad based financial services, namely, credit card, debit card, and charge card transaction processing and payment processing services; electronic credit and debit card transaction processing, authorization, and verification services; credit card and debit card payment transaction processing, authorization, and verification services; check processing services; check verification services; electronic funds transfer services; point of sale transaction services, namely, electronic credit and debit card transaction processing, authorization, and verification services via a payment terminal, a website, and a mobile device at a point of sale; transaction authorization, namely, credit card and debit card authorization services and debt settlement services; automated bill payment services; third party credit card transaction processing services; gift card transaction processing services; merchant services, namely, payment transaction processing services; payment transaction processing service for merchants and business management software providers which utilizes point-to-point encryption and tokenization to increase payment data security; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing financial information featuring credit and debit card data and reports; providing financial information featuring credit and debit card data and reports, electronic funds transfer information, and providing financial information rendered by computer by means of a secure information computer network; financial analysis, namely, providing a wide range of financial information and analysis by electronic means in connection with credit cards, debit cards and other payment cards, cardholder spending, financial risk management, terminated merchants and reporting of chargebacks on credit cards; providing financial information and financial analysis by electronic means in connection with credit card, debit card, and other payment card transaction processing, authorization, and debt settlement services, credit cardholder spending, fraud reimbursement services in the field of credit card purchases, financial risk management, terminated credit cards of merchants and reporting of charge backs on credit cards