Bill payment services; Electronic funds transfer; Payment and funds verification services; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Providing financial information; Financial services, namely, tracking payment and debt transactions; Providing rebates for use of bill payment services as part of a customer loyalty program; Payment transaction processing services, namely, processing of electronic payments made via electronic funds transfer, ACH, credit card, debit card, and electronic check; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Transaction authorization and settlement services related to bill payments