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INCENTIVE PROGRAM SERVICES, NAMELY, ELECTRONIC PAYMENT SERVICES, NAMELY, ELECTRONIC PROCESSING AND TRANSMISSION OF PAYMENTS VIA ON-LINE DEBIT, CHECKING, CREDIT CARD, AND LOYALTY/REWARD ACCOUNT PAYMENTS

PROVIDING CHECKING, CREDIT, DEBIT, AND LOYALTY/REWARD ACCOUNT VERIFICATION SERVICES, NAMELY, TRANSACTION IDENTIFICATION AND AUTHENTICATION SERVICES BY MEANS OF ON-LINE DATABASES THAT LINK CUSTOMERS' CHECKING, CREDIT, DEBIT, OR LOYALTY/REWARD ACCOUNTS WITH THEIR IDENTIFICATION DATA