NORTH

downloadable software and mobile applications for computers, mobile phones, portable media players, handheld computers to allow users to perform electronic business transactions; card readers for credit cards; downloadable software and mobile applications, for e-commerce to allow users to perform electronic business transactions via a global computer network

Financial records management; providing information and analysis by electronic means in connection with marketing data; automated billing services in the field of health care, restaurants, energy, beauty, water utilities, communications utilities, groceries and fitness for merchants, retailers, and utility contractors; automated subscription billing services in the field of health care, restaurants, energy, beauty, water utilities, communications utilities, groceries and fitness for merchants, retailers, and utility contractors; on-line billing services in the field of health care, restaurants, energy, beauty, water utilities, communications utilities, groceries and fitness for merchants, retailers, and utility contractors; business administration consultancy concerning equipment and related services in the field of payment processing and financial reporting; invoicing services; website shopping cart services for use by online retailers, namely, electronic order processing for others, order confirmation in the nature of business record management, all over a global computer network

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

Data protection services for third party credit card transactions in the nature of on line security services, namely, data encryption services for providing security and anonymity for electronically transmitted credit card transactions; consulting services in the field regarding electronic monitoring of online credit card payment and billing to detect fraud; providing temporary use of non-downloadable computer software to retail merchants for processing credit card transactions; data encryption services; electronic storage of customer data; developing and hosting a server on a global computer network for the purpose of facilitating e-commerce via such a server; application service provider featuring application programming interface (API) software for electronic payment processing, payment card industry (PCI) data security compliance, and security and storage of customer data; providing a secure electronic online system featuring technology which allows vendors to submit electronic invoices to customers for importing and processing of electronic invoices; providing temporary use of non-downloadable computer software for preparing invoices over computer networks, intranets and the internet; providing temporary use of online non-downloadable computer programs for use in the tokenization of confidential financial and personal data for long-term data storage, data transmission and recall, and for use in integrated payment transaction processing of credit cards, debit cards and gift cards; virtual terminal for the creation of electronic check transactions, namely, providing temporary use of online, non-downloadable software that presents an on-screen representation of a terminal for initiating payments by electronic check; virtual terminal for the creation of credit card transactions, namely, providing temporary use of online, non-downloadable software that presents an on-screen representation of a terminal for initiating credit card transactions; providing information in the field of electronic monitoring of credit card activity to detect fraud via the internet; Computerized electronic monitoring of credit card activity to detect fraud and personally identifying information to detect identity theft via the internet; User authentication services using technology for ecommerce transactions