Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments via electronic communications networks; financial services, namely, electronic funds transfer; clearing and reconciling financial transactions; providing a wide variety of payment and financial services, namely, processing and transmission of bills and payments thereof and bill payment services, all conducted via a global communications network; bill payment services; providing electronic mobile payment services for others; Payment processing services, namely, credit card and debit card transaction processing services; electronic debt collection; agentless debt collection negotiation; Financial services, namely, debt resolution services in the nature of debt settlement and elimination by electronic means

Providing temporary use of on-line non-downloadable software for processing electronic payments; Providing temporary use of on-line non-downloadable software for managing, processing, reconciling, monitoring and paying bills, debts, and amounts owed