Providing, via communications including interactive web pages and e-mail sent and received through a global computer network, automated, closing, escrow-like services for closing electronic commercial transactions and conventional transactions, including tracking of payments and collections of payments in domestic and foreign currencies, and deliveries ,and provision of on-line arbitation services to enable buyers to control their funds until they have received conforming goods or services and to ensure sellers that they will be paid for conforming goods or services that are delivered