Bill payment services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, digital wallet, electronic check and electronic payments; Bill payment services in the field of healthcare, therapy, and medicine; Insurance claims processing; Insurance claims administration; financial information processing; financial transaction services, namely, providing secure commercial transactions and payment options; payment processing services, namely, invoicing, recurring payment via credit card, payment verification services, income and expenses tracking, and cashflow management