Electronic financial trading services; financial trading; vehicle financing; brokerage of purchase payment; processing of financial transactions; hire-purchase financing; automated payment services; e-wallet payment services; transaction authentication and verification services; financing services; money payment services; issuance of membership credit card; brokerage of mobile payment; issuance of mobile discount coupon in the nature of tokens of value; issuance electronic coupons in the nature of tokens of value via smart phones; credit card transaction processing services; processing of payment transactions via the Internet; issuance of electronic gift certificates which may then be redeemed for goods or services; electronic payment for others; providing financial information by electronic means