Mobile payment services; electronic payment services, namely, enabling electronic processing and transmission of electronic funds transfer and payments via ACH, credit card, debit card, prepaid cards, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; arranging and conducting electronic payment programs for the sale of automotive fuel, oil and retail convenience store and automotive service center goods and services; financial services, namely, providing electronic payment solution for credit and debit card transactions, loyalty reward card transactions, and bill payment transactions via mobile devices