Financial services, namely, credit card, debit card, bank card, smart card, prepaid card, stored value card, and in store, smart phone, online, and mobile device payment accounts transaction processing services; credit card, debit card, bank card, smart card, prepaid card, stored value card, and in store, smart phone, online, and mobile device payment accounts verification services; check verification and processing services; credit card, debit card, bank card, smart card, prepaid card, stored value card authorization services; and in store, smart phone, and online authorization services, namely, electronic payment authorization; mobile device payment accounts authorization services, namely, providing payment authorization services for use in mobile device payment accounts; electronic payment services involving electronic processing and subsequent transmission of bill payment data; providing electronic processing of credit card, debit card, bank card, smart card, prepaid card, stored value card, and in store, smart phone, online, and mobile device payment accounts transactions via a proprietary and secure financial global computer network; credit card, debit card, bank card, smart card, prepaid card, stored value card, and prepaid payment card account services featuring a computer readable card; electronic funds transfer services; payroll tax debiting services; providing online financial services to retail merchants, namely, providing financial account management services and financial clearance services in the nature of clearing and reconciling financial transactions for retail establishments; clearing and reconciling financial transactions via a global computer network; providing financial account transaction information to merchants, namely, credit card, debit card, bank card, smart card, prepaid card, stored value card, and in store, smart phone, online, and mobile device payment accounts transactions information and balances via a secure Internet website; information, advisory, and consultancy services related to credit card, debit card, bank card, smart card, prepaid card, stored value card, and in store, smart phone, online, and mobile device payment accounts transaction processing services; information, advisory, and consultancy services related to credit card, debit card, bank card, smart card, prepaid card, stored value card, and in store, smart phone, online, and mobile device payment accounts transaction processing services for retail establishments; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; loyalty program payment processing services; information services, namely, financial information provided by electronic means; commercial lending services; business lending services; small business lending services; administration of employee benefit plans concerning insurance and finance