Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on a global computer information network; Bill payment services; Electronic payment services, namely, electronic processing and transmission or bill payment data; Providing multiple payment options by means of the Internet; Providing multiple payment options by means of a global computer information network; Financial services, namely providing on-line stored value accounts in an electronic environment