Bill payment services; Bill payment services provided through a website; Bill payment services provided via an electronic wallet; Credit card authorization services; Credit card transaction processing services; Electronic funds transfer; Electronic funds transfer services; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Processing of credit card payments; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network