36 Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Electronic processing of insurance claims and payment data; Bill payment services provided via an electronic wallet; Processing of electronic wallet payments; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing information regarding policy rates for all types of insurance and electronic processing of insurance claims and payment data over a web based computer network