Financial services, namely, credit card, debit card, bank card, smart card, payment card, and stored-value card transaction processing services; financial transaction processing services, namely, providing secure commercial transactions and payment options for customers using a smart phone or mobile device at a point of sale; credit card, debit card, bank card, smart card, payment card, and stored-value card verification services; verification services for commercial transactions and payments made by customers using a smart phone or mobile device at a point of sale; credit card, debit card, bank card, smart card, payment card, and stored-value card authorization services; authorization services for commercial transactions and payments made by customers using a smart phone or mobile device at a point of sale; electronic payment, namely, electronic processing and transmission of bill payment data; providing electronic processing of credit card, debit card, bank card, smart card, payment card, and stored-value card transactions all via a proprietary and secure financial global computer network; providing electronic processing of commercial transactions and payments made by customers using a smart phone or mobile device at a point of sale via a proprietary and secure financial global computer network; financial administration of debit card, smart card, payment card, stored-value card, smart phone and mobile device payment account services utilizing a computer readable device; electronic funds transfer services; clearing and reconciling financial transactions via a global computer network for convenience store merchants and vehicle service station merchants and providing commercial financial transaction data, including account balance data to such merchants regarding credit card, debit card, bank card, smart card, payment card, stored-value card, and smart phone and mobile device payment accounts via a secure Internet website; information services, namely, financial information provided by electronic means; financial services, namely, providing on-line stored value accounts in an electronic environment; stored value card services; stored value prepaid card services, namely, processing electronic payments made through prepaid cards