36 (Based on Use in Commerce) Consumer lending services, namely, point-of-sale credit and loan services; consumer lending services, namely, loan servicing; providing secure electronic payment processing for debit card transactions, electronic funds transfer and electronic check; electronic payment services involving electronic processing and subsequent transmission of point-of-sale payment data; providing payment verification services in the nature of the on-line financing of purchases at a point of sale, namely, processing, transmission, and reconciliation of payments; financial risk assessment, namely, evaluation of the credit worthiness of companies and private individuals