Financial services, namely, money lending, investment fund transfer and transaction services; financial services provided through a wireless telecom network namely, providing on-line stored value accounts in an electronic environment; electronic payments or financial transactions executed through a wireless telephone network, namely, bill payment services; electronic payments or financial transactions executed with mobile telephones, namely, bill payment services; electronic debit transaction; electronic funds transfer; electronic payment, namely, electronic processing and transmission of bill payment data; electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on Internet