Electronic payment services, namely, on-line financing of purchases via the Internet and electronic means; providing trade credit services, namely, financing services for business customers; payment administration services, namely, electronic processing and subsequent transmission of bill payment data; payment processing services, namely, providing electronic processing of electronic funds transfers, and electronic payments; payment transaction services, namely, providing transactional services relating to point-of-sale transactions in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; assessing consumer credit information; financial advice regarding credit