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Business networking and referral services, namely, promoting the services of banks and other payment service providers; Merchant services, namely, payment transaction processing services for credit cards, debit cards, automated clearing house (ACH), and other electronic payment transactions for mail-order, telephone-order, e-commerce, mobile, and point-of-sale environments; Financial analysis and information services, namely, the compilation, analysis, and dissemination of electronic payment transaction data; Providing temporary use of non-downloadable software for access to a hosted Internet web page for use in electronic payment transactions; Providing an application programming interface (API) specification for integrating electronic payment transaction processing services into other software systems; Software-as-a-service platform featuring software tools for use in the detection and prevention of fraudulent payment transactions; Security services, namely, fraud detection and account authentication services for credit cards, debit cards, and automated clearing house (ACH) transactions via a global computer network; Providing risk assessments and consultation services designed to assist entities in detecting, preventing, and monitoring fraud; Consulting services in the field of payment transaction processing and financial transaction risk management