Financial management services; business finance procurement services; providing on-line financial services in the nature of banking and banking services; bill payment services; electronic payment, namely, electronic processing and transmission of bill payment data; financial information provided by electronic means; clearing and reconciling financial transactions via a global computer network; providing financial information by the internet; financial analysis for business; financial services, namely, electronic funds transfer via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks; providing a wide variety of payment and financial services, namely, credit card payment processing services and transaction processing services, processing and transmission of bills and payments thereof, bill payment services with guaranteed payment delivery, all conducted via a global communications network; financial analysis and consultation services; loan financing and loan programs in the nature of providing business loans and temporary loans; insurance services, namely, brokerage, underwriting, administration and claims processing of life insurance, short-term care insurance, disability insurance, health insurance, Medicare supplement insurance, payroll insurance; payroll tax debiting services