Computer hardware and software for facilitating on-line commercial transactions; billing application software specifically designed to facilitate automated payment of multiple bills; on-line and off-line electronic payment apparatus, namely, electronic payment terminal; authentication and authorization software for authenticating user identification and transaction authorization; bank credit, debit, cash, cheque and identification cards for use in connection with payment for services, all being encoded or magnetic; electronic cards for use in connection with payment services and stored value cards, namely, magnetically encoded gift cards; magnetically encoded cards used in relation to the electronic transfer of funds and other financial transactions; cash payment service computer terminals; computer programs for use in electronic transfer of funds and securing financial transactions; computers and computer hardware components, namely, encoders and scanners; network communication apparatus, namely, computer network server, computer network adapters, switches, routers and hubs