Clearing and reconciling financial transactions and debt settlement services for electric power, natural gas, smart grid applications, and other utility services; receiving and processing payments from customers for electric power and natural gas utility services, and other utility services; receiving and processing payments from customers for electric power and natural gas utility services, and other utility services, via a web site on the Internet; clearing and reconciling financial transactions via a global computer network; providing an on-line computer database in the field of credit card and debit card transaction processing services that uploads transactional data, provides clearing and reconciling of financial transactions, provides a statistical analysis of the transactions, and produces related notifications and reports