ELECTRONIC PAYMENT, NAMELY, ELECTRONIC PROCESSING AND TRANSMISSION OF BILL PAYMENT DATA; ELECTRONIC TRANSFER OF CURRENCY AND OTHER FINANCIAL INSTRUMENTS; ELECTRONIC FINANCIAL CLEARANCE OF CREDIT AND DEBIT CARDS; ELECTRONIC ISSUANCE OF CHECKS, MONEY ORDERS OR OTHER PAYMENT INSTRUMENTS; ENSURING THE SECURITY OF ELECTRONIC TRANSACTIONS FOR OTHERS; MAINTAINING E-COMMERCE PAYMENT ESCROW ACCOUNTS BY MEANS OF ELECTRONIC COMMUNICATIONS NETWORKS