36 Financial management and consulting services for businesses, namely, providing and managing electronic and on-line financial transactions, financial accounts, financial transactions, accounts payable and payment services; financial management services for businesses via the internet; financial management services for businesses for credit card processing, debit card processing, electronic funds transfer, electronic check, and electronic payments, and combining payments into a combined payment flow; electronic commerce payment services, namely, processing e-commence payment transactions for businesses; electronic payment services for businesses, namely, electronic processing and subsequent transmission of bill payment data, accounts payable debiting services, and bill payment services; providing on-line financial services, namely, accounts payable debiting services and payment processing services in the nature of debit and credit card transaction processing, consolidation of payments into a digital interface, selection of individual payment methods to multiple vendors, and integration of payment functions with banking services