Banking services, specifically, debit, credit, and gift card services and processing; electronic fund transfer services; payroll direct deposit services; credit, smart, stored value, and debit card processing; mutual fund processing; health care claims processing; telecommunication transactions processing, namely, electronic processing and transmission of telecommunication bill payment data; payment instrument processing and cable television billing processing; debt collection management; electronic commerce and information management, namely, establishing funded accounts used to purchase goods and services on the Internet; banking services that allow consumers to pay for goods and services by credit, debit or smart card at the point of sale, over a global computer network, by check or by money wire; banking services that allows customers to deposit money onto a debit, credit or gift via ATM, web, interactive voice response unit ("IVRU"), point of sale, direct deposit, electronic funds transfer, from bank account, from credit card, from any third party via automated clearing house ("ach") or electronic bill pay, card to card transfer, wire transfer, and electronic check