Financial services, namely, credit card, debit card, bank card, smart card, payment card, and stored-value card transaction processing services; financial transaction processing services, namely, providing secure commercial transactions and payment options for customers using a smart phone or mobile device at a point of sale; credit card, debit card, bank card, smart card, payment card, and stored-value card verification services; verification services for commercial transactions and payments made by customers using a smart phone or mobile device at a point of sale; credit card, debit card, bank card, smart card, payment card, and stored-value card authorization services; authorization services for commercial transactions and payments made by customers using a smart phone or mobile device at a point of sale; electronic payment, namely, electronic processing and transmission of bill payment data; providing electronic processing of credit card, debit card, bank card, smart card, payment card, and stored-value card transactions all via a proprietary and secure financial global computer network; providing electronic processing of commercial transactions and payments made by customers using a smart phone or mobile device at a point of sale via a proprietary and secure financial global computer network; financial administration of debit card, smart card, payment card, stored-value card, smart phone and mobile device payment account services utilizing a computer readable device; electronic funds transfer services; clearing and reconciling financial transactions via a global computer network for retail merchants; providing commercial financial transaction data, including account balance data to merchants regarding credit card, debit card, bank card, smart card, payment card, stored-value card, and smart phone and mobile device payment accounts via a secure Internet website; information services, namely, financial information provided by electronic means; financial services, namely, electronic remote check deposit services on behalf of merchants; electronic check processing on behalf of merchants; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check, and electronic payments via telephone and the internet; providing electronic processing of re-presented check transactions and electronic payments related thereto via a global computer network; financial services, namely, providing on-line stored value accounts in an electronic environment; stored value card services; stored value prepaid card services, namely, processing electronic payments made through prepaid cards