Electronic funds transfer services; financial payment network services, namely, providing bill payment services; providing electronic processing of electronic funds transfer and electronic payments via a global computer network; electronic payment services involving electronic processing and subsequent transmission of bill payment data using operating and governance rules to determine transaction routing options, notifications, alerts, delivery timeframes and exception handling procedures; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; financial transaction services, namely, providing secure commercial transactions and payment options; electronic processing of claims and payment data in the field of insurance and health care, including enrollment data