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 at a point of sale; financial services, namely, debt settlement; debt settlement services; providing financial information; consumer lending services, namely, credit and loan services; electronic payment services, namely, providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; bill payment services; credit information services, namely, business credit reporting services; evaluation of the credit worthiness of companies and private individuals