Banking; Insurance underwriting services for all types of insurance; Providing electronic processing of credit card transactions via a global computer network; Providing electronic processing of electronic payments via a global computer network; Mobile and internet bill payment services; Integrated services of mobile electronic wallet and mobile payment, namely, electronic transfer of funds and processing of electronic funds transfer via mobile computing devices; Mobile internet payment services, namely, credit and debit card payment processing services; Loyalty coupon payment processing services; online banking services accessible by means of downloadable mobile applications; Bill payment services provided via websites and mobile applications; Credit card payment processing services; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Representative merchant services, namely, payment transaction processing services for card companies, banks, gift certificate issuers, and electronic money issuers