36 Electronic bill payments and presentment services, namely, bill consolidation services, bill payment services, and electronic payment, namely, electronic processing and transmission of bill payment data; financial services, namely, electronic banking services; electronic trading, namely, automated securities brokerage, financial exchange, financial information provided by electronic means, operating marketplaces for sellers of goods and services, and commodity trading for others via the Internet; electronic insurance, namely, electronic processing of insurance claims and payment data