36 Providing information in the field of insurance, banking, financial services, commodity transactions and financial investments; insurance underwriting and insurance risk management services for all types of insurance in the nature of hazard identification and hazard assessment; insurance risk consultation and management services; commodity investment consultation and advisory services which includes exchange functions, market analytics and intelligence consulting; providing an on-line computer database in the fields of insurance, banking, and financial information and analytics; credit card and debit card transaction processing services; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; electronic foreign exchange payment processing; payment processing services, namely providing virtual currency transaction processing services for others