Clearing and reconciling financial transactions via a global computer network; Credit card transaction processing services; Electronic credit card transactions; Electronic debit transactions; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Payment processing services, namely, credit card and debit card transaction processing services; 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