Promoting the services of others in the following fields, namely-- Electronic check conversion, which allows for check verification through the automated clearing house network by converting a paper check to an electronic item at the point of sale; on-line electronic checks, which allows online merchants to easily accept and process electronic check payments directly from their website; electronic phone checks, which allows merchants to accept payment over the phone or internet by directly drafting customers checking account; credit card services, electronic check recovery, which allows merchants to collect bounced checks electronically; automated payments, which uses pre-authorized checking to ensure that all customers monthly payments are received on time; electronic commerce services, which allows for verification of online purchases via a global computer network through the automated clearing house network and automated clearing house services