Payment services, namely, bill payment services using on-line systems, the Internet, PDAs or mobile phones; financial transactions services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; financial affairs services, namely, financial consultation; and electronic funds transfers; Vehicle parking services, parking lot services, and valet parking services; Application service provider (ASP) featuring software for use in processing parking transactions for use as an electronic platform that accommodates parking transactions in a mobile phone, PDA, and web-based environment