Financial transaction services, namely, providing secure clearing commercial transactions via electronic communication networks and mobile telecommunication devices; financial services, namely, enabling transfer of funds for others via electronic communications networks; providing bill payment services; financial services, namely, providing on-line stored value electronic accounts in an electronic environment; cash management services, namely, cash disbursement services and transaction authorization, authentication and debt settlement services; bill payment services provided through electronic communications networks and mobile communications devices; electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet