Bill consolidation services; Bill payment services; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Electronic payment, namely, electronic processing and transmission of bill payment data; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Electronic debit transactions