Business consulting services in the field of electronic payments, namely, providing consulting to non-retail, business customers concerning how to electronically transfer funds, identification and mitigation of risks associated with electronically transferring funds, how to institutionally optimize payment processes through use of electronic transactions, and how to convert existing payment processing systems to electronic transaction-based payment systems; business consulting services provided to non-retail, business customers in the fields of integration, implementation, processing, and management of electronic payments, namely, electronic checks, electronic credit card payments, electronic debit card payments, wire transfers, and automated clearing house payments