Financial services, namely, electronic debit transactions; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; electronic payment services involving electronic processing and subsequent transmission of bill payment data; debt settlement services concerning debit card, smart phone and mobile device payment accounts transactions via a proprietary and secure financial global computer network; clearing and reconciling financial transactions via a global computer network; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device or smart phone at a point of sale; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; information services, namely, financial information provided by electronic means; financial information provided by electronic means relating to account management, financial transactions, and the issuance and processing of loyalty points and coupons for purchase of a company's goods and services

Providing multiple user access to data on the Internet in the field of financial information relating to account management, financial transactions and the issuance and processing of loyalty points and coupons for purchase of a company's goods and services

Providing user authentication services in e-commerce payment transactions