Downloadable and recorded computer software for processing electronic payments and for transferring funds to and from others (individuals, families, groups, organizations, merchants); Downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; Downloadable computer software for issuing receipts regarding payment transactions; Downloadable mobile application software for processing electronic payments and for transferring funds to and from others (individuals, families, groups, organizations, merchants); Downloadable authentication software for controlling access to and communications with computers and computer networks; Computer hardware for making, authenticating, facilitating, operating, managing, and processing payment transactions with credit cards, debit cards, prepaid cards, payment cards, gift cards, mobile devices and other payment forms; Downloadable computer software for making, authenticating, facilitating, operating, managing, and processing payment transactions with credit cards, debit cards, prepaid cards, payment cards, gift cards, mobile devices and other payment forms;Electronic devices, namely, point of sale terminals, chip card readers, credit card readers, payment card readers, mobile card readers, charging stands for chip card readers, credit card readers, payment card readers, mobile card readers; magnetic encoded and coded card readers; electronic card readers for payment and credit cards; Magnetically encoded credit cards; Magnetically encoded payment cards being debit cards, gift cards and prepaid cards. Financial services, namely, electronic funds transfer; Clearing and reconciling financial transactions via a global computer network and wireless networks; Providing a wide variety of payment and financial services, namely, credit card, debit card, prepaid card and gift card payment processing services; Issuing credit cards, debit cards, prepaid card, gift cards and electronic payment accounts and providing personal and business lines of credit; Electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, all conducted via a global communications network; Credit card, debit card, prepaid card, gift card and electronic payment account transaction processing services; Providing payment and financial services, namely, creating, preparing, managing, sending, processing, tracking, and reconciling invoices; Reimbursement of payment processing for fraudulent transactions, transaction errors, and disputed transactions, namely, transactions concerning lost, damaged, misrepresented, or incorrect products or services, all in the field of credit card, debit card, prepaid card, gift card and electronic payment account purchases; Providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks¿, namely, fraud reimbursement services all in the field of credit card, debit card, prepaid card, gift card and electronic payment account purchases; Secure commercial transactions for credit card, debit card, prepaid card, gift card and electronic payment account purchases, and dispute resolution services and reimbursement services for disputed transactions all in the field of credit card, debit card, prepaid card, gift card and electronic payment account purchases; Credit services, namely, providing revolving credit account services; Bill payments services; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; Credit card, debit card, prepaid card, gift card and electronic payment account transaction processing services and payment providing temporary use of online non-downloadable software for processing electronic payments; Providing temporary use of online non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; Providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; providing temporary use of online non-downloadable authentication software for controlling access to and communications with computers and computer networks