Banking and financing services; checking account, bill payment, charge card, credit card, debit card and stored value card authorization and transaction processing services; electronic payment, namely, electronic processing and transmission of bill payment data; financial transaction services, namely, providing secure commercial transactions and payment options of electronic funds using a mobile device at a point of sale via a global communications network; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check transactions and electronic payments via a global computer network; clearing and reconciling financial transactions via electronic communications networks