Payment services, namely, bill payment services using on-line systems, the Internet, PDAs or mobile phones; financial transactions services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; financial affairs services, namely, financial consultation; and electronic funds transfer; Financial transactions, namely, assisting others with the completion of financial transactions in the field of traffic payments, car parking payments, transit payments, parking space reservation payments and parking permit payments using on-line systems, the Internet or mobile phones; financial affairs, namely, financial information, management and analysis services in the field of traffic payments, car parking payments, transit payments, parking space reservation payments and parking permit payments; making payments for others on-line, via the internet or by mobile Phone; electronic funds transfers traffic payments, car parking payments, transit payments, parking space reservation payments and parking permit payments