Broad based financial transaction services, namely, providing secure commercial transactions and payment options to merchants, and providing financial services in the nature of processing of credit card, debit card, pre-paid debit and credit card and electronic wallet payments, and gift card transaction processing services; electronic payment services involving electronic processing and subsequent transmission of bill payment data, namely, providing multiple electronic payment options by means of customer-operated electronic terminals in the nature of computer based systems, radio frequency identification devices, near field communication devices, mobile communication technology, global computer networks and the internet, available on-site and in retail stores and hospitality locations