financial services, namely, managing consumer and commercial credit processing and authorizations, and credit risk management; managing merchant processing and information distribution related to electronic payment processing and credit servicing

COMPUTER PROGRAMS, NAMELY, FINANCIAL APPLICATIONS SOFTWARE FOR USE BY FINANCIAL INSTITUTIONS IN CONNECTION WITH THE MANAGEMENT OF CONSUMER AND COMMERCIAL CREDIT PROCESSING AND AUTHORIZATIONS, CONSUMER AND COMMERCIAL CREDIT RISK MANAGEMENT, MERCHANT PROCESSING, AND FINANCIAL INFORMATION DISTRIBUTION THROUGH COMPUTER NETWORKS