Computer software for: account verification; electronic commerce, namely customer decisioning, funding, payment and debit processing, settlement and fulfillment, automated transaction authorization and verification, and providing automated clearing house, automated teller machine, point-of-sale and Internet-based banking and financial transactions; electronic check processing and conversion; electronic check re-presentment; financial analysis, namely aggregating and analyzing data generated by demand deposit accounts and related transactions, and preparing related reports; electronic transfer of funds and financial information; cataloguing and researching information and transactions involving electronic funds transfer; processing of payment authorizations; verification of payment requests and funds sufficiency; cataloguing customer account data; automated teller machine functions, namely cash management, balancing, settlement, and network monitoring; card issuance and management functions, namely authorization, on-line ordering, personal identification number handling, auditing, security and report generation; fraud and risk management functions, namely point-of-sale, Internet-based and in-branch detection of check, debit and credit card fraud, and information comparison and identity manipulation searching; in International Class 9

Account verification services; electronic commerce services, namely, customer decisioning, funding, payment and debit processing, settlement and fulfillment, automated transaction authorization and verification, and providing automated clearing house, automated teller machines, point-of-sale and Internet-based banking and financial transactions, electronic check processing and conversion; electronic check re-presentment; financial analysis services, namely aggregating and analyzing data generated by demand deposit accounts and related transactions, and preparing related reports; electronic transfer of funds and financial information; cataloguing and researching information and transactions involving electronic funds transfer; processing of payment authorizations; verification of payment requests and funds sufficiency; cataloguing customer account data; automated teller machine services, namely cash management, balancing, settlement, and network monitoring; card issuance and management services, namely authorization, on-line ordering, personal identification number handling, auditing, security and report generation; fraud and risk management services, namely point-of-sale, Internet-based and in-branch detection of check, debit and credit card fraud, and information comparison and identity manipulation searching; in International Class 36