check verification, credit recovery and collection services; check authorization services; check acceptance services; check guarantee services; payment processing and automatic bill payment deduction services for customers; commission payment and check guarantee services for cellular retailers; financial risk management services; processing recurrent payments and automatically deducting such payments from bank accounts for customers; fraud control services in the nature of correcting bank information on checks presented for payment; check processing charge services by telephone and over a global computer network and related check fraud screening services