Electronic invoicing and payment services; providing payment and financial services, namely, creating, preparing, managing, sending, processing, invoices via SMS text messages; providing electronic mobile payment services for others in the nature of providing secure commercial transactions and payment options using a mobile device; and financial services, namely, providing, processing, verifying, and authenticating mobile payments, and mobile credit and debit card transactions, and invoice payment transactions with retailers and merchants via mobile devices

Software as a service (SAAS) services featuring software for invoicing and payment processing; software as a service (SAAS) services featuring software for processing electronic payments and for transferring funds to and from others; software as a service (SAAS) services featuring software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; software as a service (SAAS) services featuring software to create, customize, and manage invoices; software as a service (SAAS) services featuring software for issuing receipts regarding mobile payment transactions; software as a service (SAAS) services featuring software for credit card invoicing and credit card payment processing; providing temporary use of online non-downloadable software for invoicing and payment processing; providing temporary use of online non-downloadable software for processing electronic payments and for transferring funds to and from others; for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; providing temporary use of online non-downloadable software to create, customize, and manage invoices; providing temporary use of online non-downloadable software for issuing receipts regarding mobile payment transactions; providing temporary use of online non-downloadable software for credit card invoicing and credit card payment processing