Bill payment services; Electronic funds transfer; Electronic funds transfer by telecommunications; Electronic payment, namely, electronic processing and transmission of bill payment data; Electronic transfer of funds; Electronic transfer of money; Electronic transfers of money; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Electronic cash transactions; Electronic credit card transactions; Electronic debit transactions; Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments