Financial services, namely, electronic transfer of money, person-to-person payments and contactless payments, processing and transmission of bills and payments thereof, bill payment services with guaranteed payment delivery, cash disbursement services, financial electronic transaction authorization and settlement services, all via mobile phones and/or global computer networks; clearing and reconciling financial transactions via electronic communications networks; and providing payment and financial reload services, namely, replenishment of prepaid cards, accounts and mobile prepaid telephone accounts via mobile phones, the web and participating merchant locations; providing electronic processing and transmission of payment data and maintenance of financial records for payment services comprising a network based system for replenishment of prepaid financial or mobile telephony accounts