Financial services, namely, electronic funds transfer via electronic communications networks; Clearing and reconciling financial transactions via electronic communications networks; Issuing stored value mobile accounts with the purchase transaction completed at credit/debit/stored value card terminals or via a software application; Financial transaction services, namely, providing secure commercial transactions and payment options using a device that wirelessly communicates with point of sale systems using a near field communication (NFC) antenna and a dedicated chip that stores encrypted payment information; Providing a wide variety of payment and financial services, namely, credit/debit/stored value mobile services in the nature of providing on-line stored value accounts in an electronic environment and funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts, issuing credit/debit/stored value accounts and lines of credit, processing and transmission of bills and payments thereof, namely, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, and brokerage of money; all of the foregoing services being provided in connection with cash-intensive businesses