Debit card services; credit card services; electronic debit transactions; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; credit card transaction authorization and settlement services; electronic payment, namely, electronic processing and transmission of bill payment data; debit card verification services; payment transaction authentication and verification services; financial services, namely, issuing stored value cards and providing on-line stored value accounts in an electronic environment; providing financial information, namely debit card data and reports; and electronic cash transactions