Electronic payment services, namely, electronic processing of bill payments relating to health care insurance claims to health care providers; administration of preferred provider plans in the healthcare field wherein independent healthcare providers agree to accept rates of reimbursement as full payment for services rendered or administered to individuals enrolled in health care benefit programs issued or administered by health care administration companies; medical insurance case and utilization review and insurance claims adjustment services for healthcare purchasers and payers and providers and Medicare beneficiaries; medical insurance claims review services, including inpatient claims analysis, medical claims evaluation and management, network optimization and clinical and coding review services; healthcare benefit management and coordination services; providing healthcare benefit administration services; providing counseling and consulting in the field of healthcare benefits; insurance claim administration consultation services for payer owned preferred provider organizations to eliminate out-of-network claims; financial services, namely, money lending; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; electronic payment services involving electronic processing and subsequent transmission of bill payment data; providing an internet website portal in the field of financial transaction and payment processing services