Financial services, banking, credit card services, debit card services, payment transaction authentication and verification services; providing financial information, including credit and debit card data and reports, financial records management; financial assessment and risk management services for others in the field of consumer credit; credit management services, dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; financial analysis and consultation, including providing a wide range of information and analysis to financial institutions by electronic means in connection with payment card programs, marketing data, cardholder spending, fraud and risk management