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Electronic services for consumers and merchants to send and receive payments via the Internet, via telephone and/or via television connection; electronic payment services, namely, enabling consumers to make payments for goods and services purchased from merchants; cashless purchasing services for merchants and consumers whereby purchase monies are held in trust and sent to merchants upon sales to consumers; financial processing services and monetary check processing services, namely providing payment to merchants who sell to consumers services and goods online; clearing and reconciling financial transactions via a global computer network; providing a wide variety of payment services, namely, credit card and debit card services, processing and transmission of bills and payments thereof, conducted via a global computer network