Electronic payment services involving electronic processing and subsequent transmission of bill payment data; 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; Issuing prepaid debit cards; Processing electronic payments made through prepaid cards; Providing information in the field of employee financial benefit plans; Providing information in the field of employee financial benefit plans and administration of employee financial benefit plans for clients via the Internet; Stored value prepaid card services, namely, processing electronic payments made through prepaid cards