36 Financial services, namely, payment collection facilitation and information processing related to the fulfillment of financial obligations; providing payment services between purchasers and sellers of goods and services, between billers and payors and between donors and charities, via electronic communication networks, electronic funds transfer services, or in person or in kind payments; providing financial transaction processing services and financial information by electronic means via computer networks and global information networks; electronic commerce payment services, namely, establishing funded accounts and enabling the transfer of funds to purchase products and services offered by others, pay other sums due or remit funds and donations to charities; electronic funds transfer via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks, electronic funds transfer services, or in person or in kind payments; providing a wide variety of payment and financial services, namely, credit, debit, pre and post-paid card payment processing services, and in person and in kind payment processing services; electronic payment services involving electronic processing and transmission of bill payment data; bill payment services with both guaranteed and non-guaranteed payment delivery, and brokerage of money market funds; insurance claims processing; financial affairs and monetary affairs, namely, financial information, management and analysis services; real estate consultancy services