Financial services, namely, providing financial information transaction data to merchants engaged in ach or check conversion by electronic means and by means of temporary use of non-downloadable software via global computer networks that allow merchants to view deposits, checks declined and non-ach items; credit card services; banking services conducted via a global computer network linked by common protocols; electronic money transfer; electronic funds transfer; providing electronic commerce services, namely, credit card services, debit card services and low value electronic debit transactions; debt collection for others; electronic cash transactions, electronic credit card transactions, electronic debit transactions; electronic bill payment, namely, electronic processing and transmission of bill payment data; providing computer databases and web sites featuring financial information and evaluations, and personal financial information and financial advice

Electronic transmission of electronic transaction data via a global computer network using internet protocols