Business services, namely, electronic commerce, purchasing and charitable giving services by mobile telecommunications devices, telecommunications networks and a global computer information network; financial services, namely, financial clearing, financial payment and fund transfer services by mobile telecommunications devices and a global computer information network, including automated electronic payment, namely, electronic processing and transmission of bill payment data between telecommunications carriers, transfer of money, exchange of billing information, foreign exchange transaction services, monetary exchange, transfer of financial information, money transfer, fund transfer, electronic funds transfers; financial settlement services, namely, financial services involving payment of bills, providing a computer database in the field of financial services concerning the transfer of funds and the payment of bills; provision of databases relating to mobile telecommunications devices; electronic data transmission; electronic data transmission of electronic fund transfer and point of sale transactions; electronic exchange of data stored in databases accessible via a telecommunications network; telecommunications services concerning the transfer of data electronically