Electronic funds transfer; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; electronic payment, namely, electronic processing and transmission of bill payment data; electronic check and electronic payments; providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial services, namely providing on-line stored value accounts in an electronic environment, not including retail financial planning services or debt recovery and collection agency services