Services to allow customers to access bank account information, rewards accounts, and transact bank business; Services to allow users to perform electronic business transactions via a computer or a computer network; Services providing an on-line database in the field of transaction processing to upload transactional data, provide statistical analysis, and produce notifications, offers, and reports; Services for warehousing and managing transactional data, providing statistical analysis, and producing notifications and reports; Services that accommodate multiple types of payment and debt transactions via a mobile phone, PDA, personal computer, and web based environment