Financial services, namely, money lending, investment fund transfer and transaction services; financial services provided through a wireless telecom network, namely, providing on-line stored value accounts in an electronic environment; electronic payments and financial transactions executed through a wireless telephone network, namely, bill payment services; electronic payments and financial transactions executed with mobile telephones, namely, bill payment services; electronic debit card transaction processing; electronic funds transfer; electronic payment services involving electronic processing and subsequent transmission of bill payment data; electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet