Computerized financial transaction authorization, namely, providing secure commercial transactions and payment options; computerized financial transaction authorization, namely, providing secure commercial transactions and payment options using a mobile device or debit card at a point of sale; financial services, namely, debt settlement, loan services, and payment processing services in the field of credit payments; debt settlement services; bill payment services; providing financial information; savings and financial account services; financial and banking services, namely, facilitating debit card transactions; factoring agency services; financial administration of customer reimbursement programs

Software as a service (SAAS) services featuring software for processing electronic payments, authorizing financial transactions, managing and tracking electronic payment information and facilitating e-commerce services for others, namely, for allowing users to perform electronic business transactions via a global computer network; platform as a service (PAAS) services featuring software tools for users to build customized applications for processing electronic payments, authorizing financial transactions, managing electronic payment information, facilitating electronic payments and financial transactions, and performing electronic business transactions via a global computer network; providing temporary use of on-line non-downloadable software tools for processing electronic payments; providing temporary use of on-line non-downloadable authentication software tools for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable computer software for financial transactions, electronic payments, credit assessments, and identity and electronic signature verification; providing temporary use of online non-downloadable software for facilitating electronic funds transfers and payments made via debit card; design, development and implementation of software