Financing services for the payment of postage and mail production fees, via the internet, telephone and electronic and non-electronic traditional payment means; banking and credit card financial services for purchasing postage, products, and merchandise; credit agency services in the postal field, namely, providing deposit accounts for the prepayment of postage, advancing credit for postage meters and checking accounts for paying postage; electronic payments, namely, electronic processing and transmission of bill payment data including distribution, retrieval and organization of billing data via e-mail, facsimile, the internet and other computer networks