Electronic and mobile commerce payment and purchasing services, namely, establishing funded accounts used to purchase and pay for goods and services on the Internet; financial services, namely, electronic payment, namely, electronic processing and transmission of bill payment data, electronic fund transfer services for the cellular telephone industry and wireless apparatus industry, including automated electronic payment, namely, electronic processing and transmission of bill payment data between telecommunications carriers, electronic transfer of money, foreign exchange transaction services, monetary exchange, financial information provided by electronic means, money transfer, electronic funds transfer, electronic funds transfer for charitable giving, financial settlement services, namely, financial services involving the payment of bills, providing a computer database in the field of financial services concerning the transfer of funds and the payment of bills