Electronic funds transfer; Electronic funds transfer by telecommunications; Electronic transfer of funds; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Automated Clearing House (ACH) transaction processing services; Charge card and credit card payment processing services; Credit card payment processing services; Credit card transaction processing services; Debit card transaction processing services; Merchant services, namely, payment transaction processing services; Payment processing services, namely, credit card and debit card transaction processing services