Bill payment services; electronic payment, namely, electronic processing and transmission of bill payment data by telephone, mobile phone, and Internet; electronic funds transfer; electronic payment management, namely, delivering electronic bills and invoices via a global computer network or mobile telecommunication device; delivering electronic and check-based payments initiated via a global computer network, telephone, or mobile telecommunication device; electronic transfer of funds from account to account; electronic interbank transfer of funds; electronic intrabank transfer of funds; financial services in the nature of electronic funds transfer; Delivery of funds and accompanying personal messages via electronic mail or global computer network, for bill payment, gift-giving, expressions of sympathy, or charitable donations; Delivery of funds and accompanying personal messages via mail or courier service, for bill payment, gift-giving, expressions of sympathy, or charitable donations