Providing on-line non-downloadable software and software applications to enable bill payment services, check processing, credit card and payment card services, electronic processing and transmission of bill payment data, electronic processing of automated clearing house (ACH), electronic check and credit card transactions, electronic payments and electronic invoice presentment via a global computer network, and electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments, all for the purposes of healthcare payment solutions; Providing on-line non-downloadable software for transmitting, retrieving and distributing patient payment, administrative and clinical data for use; Providing on-line non-downloadable software for facilitating the transfer of patient payment, administrative and clinical data files via global computer information network for use; Providing on-line non-downloadable software for managing, transmitting, retrieving, distributing and facilitating payments business to business, from business to patient and from patient to business, namely, electronic funds transfers, electronic check, credit card, debit card, payment card and other electronic payments; Providing on-line non-downloadable information system software, namely, software for facilitating the transfer of bill payment data for use