Payment and funds verification services; Payment processing services in the field of service that enables consumers to access a portion of their earned but unpaid wages prior to a scheduled payday payments; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Providing secure commercial transactions and payment options using a mobile device at a point of sale